Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
THIRD NOTICE FORMAL DISPUTE OF REPORTING VIOLATION XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN Last 4 : XXXX Date : XX/XX/XXXX TO : Experian XXXX XXXXXXXX XXXX, XXXX TX XXXX TransUnion XXXX XXXX. XXXX XXXX, XXXX PA XXXX Equifax Information Services XXXX. XXXX XXXX, XXXX GA XXXX RE : THIRD NOTICE CONTINUED FALSE REPORTING OF A CHARGED-OFF SELF LENDER ACCOUNT & FAILURE TO CONDUCT A LAWFUL REINVESTIGATION UNDER FCRA To Whom It May Concern, This letter serves as my third formal dispute notice regarding the inaccurate reporting of a XXXX XXXX XXXX XXXX XXXX  ) account that has been previously marked as Charged Off, yet continues to be reported with new delinquency and late payment activity. 

This reporting is not only factually incorrect, but also constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) and industry compliance standards, as credit bureaus are prohibited from updating a charged-off account with new late payments once the account has been closed and charged-off. 
LEGAL BASIS FOR THIS DISPUTE Under the FCRA : FCRA 602 ( A ) Consumer reporting agencies must maintain maximum possible accuracy in consumer reports.

FCRA 607 ( b ) You must follow reasonable procedures to assure accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) Upon receiving a dispute, you are required to conduct a reasonable reinvestigation.

FCRA 611 ( a ) ( 5 ) ( A ) Any item that can not be verified must be deleted, not re-verified automatically.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishers are prohibited from reporting information they know or should know is inaccurate.

Continuing to mark a charged-off account as late or currently delinquent constitutes double reporting, unlawful re-aging, and credit score manipulation, which is explicitly prohibited. 



RELEVANT CASE LAW XXXX XXXX TransUnion, 115 F.3d 220 ( 3d Cir. 1997 ) CRAs must go beyond simply parroting data ; they must conduct a meaningful and independent investigation. 
XXXX XXXX BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) Continuing to report unverifiable or inaccurate information after notice constitutes an FCRA violation. 
XXXX v. Equifax, 2007 WL 2570567 ( E.D. Tex. ) Repeated failure to remove or correct information after dispute is grounds for liability. 
XXXX v. TransUnion, 617 F.3d 688 ( 3d Cir. 2010 ) Courts have reaffirmed that repeating false reporting after notice is willful noncompliance. 



CFPB ENFORCEMENT & NONCOMPLIANCE NOTICE The Consumer Financial Protection Bureau ( CFPB ) has issued multiple public enforcement actions and fines against credit reporting agencies and furnishers for : Sham investigations Failure to verify data properly Re-aging delinquent trade lines Re-reporting previously disputed information Ignoring consumer disputes This letter serves as notice that I am fully prepared to file a formal CFPB complaint, as well as notify the FTC, state Attorney General, and pursue private legal remedy under : FCRA 616 ( Civil Liability Willful Noncompliance ) FCRA 617 ( Civil Liability Negligent Noncompliance ) Both allow for statutory damages, punitive damages, court costs, and legal fees. 
DEMAND FOR ACTION I am requesting the following : 1. Immediate removal of the inaccurate late-payment history following the charge-off date.

2. A full method of verification report identifying : The party who verified it The date The documentation used 3. An updated corrected report mailed to me and transmitted to all third-party data recipients.

CONCLUSION You have now been notified three times. Continuing to verify inaccurate information after multiple disputes demonstrates willful failure to comply with federal law. 

Failure to correct this reporting within 15 days will result in escalation and legal action. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation