Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Subject : Formal Demand for Investigation and Immediate Deletion of Inaccurate and Unverifiable Information Under the FCRA and CFPB Guidelines To Whom It May Concern, This letter serves as my formal dispute regarding several inaccuracies and unverifiable negative items on my Experian, Equifax, and Transunion credit report. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681 to dispute any information that is inaccurate, incomplete, or can not be verified. Additionally, I am aware that the Consumer Financial Protection Bureau ( CFPB ) has taken legal action against both Equifax and Experian for failing to conduct proper investigations of consumer disputes, often engaging in sham investigations. I demand that Experian adheres to the legal standards set forth and properly investigate and correct the following items. 
# # # 1. Incorrect Personal Information - Issue : My credit report contains multiple variations of my name that are incorrect or misspelled. 
- Relevant Law : 15 U.S.C. 1681b & 15 U.S.C. 1681i The credit bureaus must ensure maximum possible accuracy in consumer reports. 
- Demand : Immediately remove all incorrect name variations and retain only my legal name : XXXX XXXX XXXX # # # 2. Hard Inquiries ( Unauthorized and Unverified ) - Issue : My report contains the following unauthorized hard inquiries : - [ List all inquiries, including creditor names and dates ] - Relevant Law : 15 U.S.C. 1681b No entity has the right to pull my credit report without my express permission or legitimate business need. 
- Demand : These inquiries must be permanently deleted immediately, as they were unauthorized. Please provide evidence of permissible purpose if you believe they were authorized. 
# # # XXXX. Collection Accounts Failure to Validate Debt - Account Name : XXXX XXXX XXXX  ( {$540.00} ) ( Original Creditor : XXXX XXXX XXXX ) - Issue : This debt has not been validated per my request. 
- Relevant Law : 15 U.S.C. 1692g A debt collector must provide proof of the debt upon request. 
- Demand : As this account has not been validated, it must be deleted immediately. 
- Account Name : XXXX XXXX XXXX ( {$590.00} ) ( Original Creditor : XXXX XXXX XXXX  ) - Issue : This account has been reported inaccurately and without proper documentation. 
- Relevant Law : 15 U.S.C. 1681s-2 ( b ) A furnisher must verify the accuracy of reported information. 
- Demand : This account is disputed and must be removed immediately if verification can not be provided. 
- Account Name : XXXX XXXX  ( {$500.00} ) ( Original Creditor : XXXX  XXXX XXXX  XXXX XXXX XXXX - Issue : This account was sold to a third-party collector without proper notification to me. 
- Relevant Law : 15 U.S.C. 1681b & 15 U.S.C. 1692e Reporting of unverifiable information is illegal. 
- Demand : This collection must be deleted immediately due to failure of verification. 
# # # XXXX. Charge-Offs Reporting Inaccurate Information - Account Name : XXXX XXXX  ( {$4400.00} ) & XXXX XXXX XXXX XXXX {$1100.00} ) - Issue : These charge-offs were reported inaccurately, and no substantiating documentation has been provided. 
- Relevant Law : 15 U.S.C. 1681e ( b ) Credit bureaus must maintain accurate records. 
- Demand : Since the furnisher has failed to provide documented proof of accuracy, these charge-offs must be deleted immediately. 
- Account Name : XXXX  XXXX ( {$470.00} & {$240.00} ) - Issue : These charge-offs contain conflicting information regarding balance, date, and reporting history. 
- Relevant Law : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Inaccurate and unverified information must be removed. 
- Demand : Since no verifiable proof has been provided, these accounts must be deleted immediately. 
- Account Name : XXXX XXXX XXXX ( {$160.00} ) - Issue : This charge-off is reported incorrectly and lacks substantiating documentation. 
- Relevant Law : 15 U.S.C. 1681s-2 ( b ) A furnisher must verify all reported information. 
- Demand : Remove this account immediately as the furnisher has failed to provide proper documentation. 
# # # XXXX. Late Payments Failure to Report Accurately - XXXX  ( Missed payments in XXXX, XXXX, and XX/XX/XXXX ) - XXXX XXXX XXXX  XXXX Missed payments in XXXX and XX/XX/XXXX ) - XXXX  XXXX ( Late payments leading up to charge-off in XXXX ) - Issue : Late payments are being reported inaccurately. 
- Relevant Law : 15 U.S.C. 1681e ( b ) The credit bureau is responsible for maintaining the accuracy of the data. 
- Demand : Since no supporting documents proving the accuracy of these reports have been provided, these late payments must be deleted immediately. 
# # # Final Demand & Next Steps Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you have XXXX  days to complete your reinvestigation and respond with evidence supporting the accuracy of these accounts. If you fail to correct these inaccuracies, I will escalate my complaint to the CFPB, State Attorney General, and pursue legal action for willful non-compliance. 
Furthermore, given the CFPBs lawsuits against Equifax and Experian for failing to conduct real investigations, I demand a proper and thorough investigation with documented verification for each disputed item. If such verification can not be provided, the disputed accounts must be permanently deleted from my credit report. 
Failure to comply with these legal obligations will result in further legal action. I expect a written response confirming deletion within XXXX  days. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation