Consumer complaint received 2025-11-03 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: VA

Complaint narrative:
RE : Combined Method of Verification and Charge-Off Dispute Fingerhut / XXXX XXXX XXXX XXXX XXXX XXXX Accounts Dear Experian and Equifax Teams XXXX I am wrighting to formaly dispute and demand a Method of XXXX ( MOV ) for the inaccurate and re-added tradelines you are currently reporting on my credit file. These same tradelines were previously removed, and you have re-added them without lawful XXXX  or XXXX, violating the Fair Credit Reporting Act ( FCRA ). I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Virginia Attorney General XXXX XXXX for these XXXX. XXXX. XXXX XXXX / XXXX ( also appears as XXXX  ) Account Number ( masked ) : XXXX Date Opened : XX/XX/XXXX Reported Balances : {$2800.00} and {$2800.00} Inaccuracy : Inconsistent balances reported across screens can not be XXXX different figures for same period. Inaccuracy : Balance grossly exceeds credit limit by over 1400 %, impossible if reporting accurately. Inaccuracy : Contradictory status values can not be open and closed simultaneously. Inaccuracy : Past-due amounts and dates dont align with balance updatesXXXX XXXX XXXX XXXX  ( XXXX ) Account Number ( masked ) : XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$1600.00} written off, {$1600.00} past due as of XX/XX/XXXX. Inaccuracy : Date of status update XX/XX/XXXX vs balance update XX/XX/XXXX re-aging of debt. Inaccuracy : Limit and charge-off amount do not correlate with ledger progression. Inaccuracy : Improper re-aging since charged-off accounts can not keep updating monthly. You are required under 15 U.S.C. 1681i ( a ) ( FCRA 611 ) to conduct a reasonable XXXX  and provide the exact Method of XXXX used to confirm each tradeline. I demand the following documents within XXXX ( XXXX ) business days : XXXX. Full account applications and contracts bearing my signature. XXXX. Itemized ledger of all charges, interest, and fees. XXXX. Documentation of default date, charge-off date, and chain of ownership. XXXX. All communications used to re-add this tradeline after its prior removal. XXXX. Name and contact of the data furnisher who requested re-addition. Failure to produce these within XXXX business days requires you to delete these tradelines entirely per 15 U.S.C. 1681i ( a ) ( 5 ). Also, be advised that income can not be reported or displayed by any credit bureau under the Fair Credit Reporting Act, as it does not constitute verified or reportable credit data. Specific Legal XXXX  : Re-Adding Deleted Items Without Verification Unlawful under FCRA 611 ( a ) ( 5 ) ( B ). Inaccurate and Misleading Reporting Violates 607 ( b ). Failure to Disclose XXXX Procedures Violates 611 ( a ) ( 6 ) ( B ) ( iii ). Continuing to Report a Charged-Off Account as Active or Updating Balances Violates 1681s-2 ( b ). Within XXXX ( XXXX ) business days, provide all MOV documentation listed above, delete all unverifiable data from both Experian and Equifax files, and send written confirmation with updated reports. During XXXX, mark all tradelines as Disputed by XXXX  as required by 611 ( a ) ( 2 ). If you fail to comply, I will forward this matter to CFPB and Virginia Attorney General XXXX XXXX for enforcement. Your offices have failed to maintain accurate consumer data and have re-aged and re-added items unlawfully. This is your final opportunity to correct and comply with the FCRA. Sincerly, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation