Consumer complaint received 2025-11-14 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:
TO : Equifax XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX. XXXX 2000 XXXX, PA XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXX XXXX  XXXX DC XXXX RE : FORMAL DISPUTE OF INACCURATE CREDIT REPORTING PRIOR DISPUTES IGNORED SHAM INVESTIGATION DEMAND FOR IMMEDIATE CORRECTION UNDER FCRA 602, 607, 609, 611, 623 To Whom It May Concern : I am formally disputing multiple inaccurate, misleading, and unlawfully reported late and missed payments appearing on my credit files. These accounts are closed, and certain accounts have been paid in full, yet late payments continue to be reported that can not legally, logically, or factually exist. 

The continued reporting of these false late payments is damaging, negligent, and in clear violation of the Fair Credit Reporting Act ( FCRA ). 



A. PRIOR DISPUTES CREDIT BUREAUS CONDUCTED SHAM INVESTIGATIONS These items have already been previously disputed, yet I received generic verified responses even though : No documentation verifying any alleged late payment was provided No evidence was produced from the furnishers No reasonable reinvestigation took place e-Oscar automated codes were used instead of a real analysis Closed and paid-in-full statuses were ignored FCRA 607 ( b ) s accuracy requirements were not met This constitutes a sham investigation and a willful disregard of federal law. 



B. DISPUTED ACCOUNTS Credit Cards ( Closed Accounts ) XXXX  XXXX XXXX missed payments XXXX XXXX missed payments XXXX XXXX XXXX XXXX payments XXXX XXXX XXXX missed payments XXXX  XXXX missed payments ( Paid in Full ) Other Loans XXXX XXXX XXXX missed payments XXXX XXXX missed payments ( Paid in Full ) XXXX WHY THIS REPORTING IS UNLAWFUL Reporting late payments on accounts that are closed or paid in full is : Factually impossible Materially misleading Harmful to my creditworthiness A violation of FCRA 607 ( b ) Grounds for statutory, actual, and punitive damages under 1681n & 1681o D. FCRA VIOLATIONS Your actions constitute violations of : 607 ( b ) Failure to maintain maximum possible accuracy 611 Failure to conduct a reasonable reinvestigation 623 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate 623 ( b ) Failure to correct inaccurate or unverifiable information E. DEMAND FOR IMMEDIATE ACTION I demand the following : 1. Immediate deletion of ALL false late/missed payments from : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Full ) 2. Provide : Full documentation proving each alleged late payment A detailed description of the reinvestigation performed Updated copies of corrected reports F. NOTICE OF INTENT TO SEEK FINANCIAL COMPENSATION Because of the erroneous reporting, negligent reinvestigations, and sham verification processes conducted by TransUnion, Experian, and Equifax, I am placing all three credit bureaus on official notice : I will be seeking financial compensation for : Willful and negligent FCRA violations Damages caused to my credit profile Denied or more costly credit opportunities Emotional and reputational harm Time and resources lost correcting your errors If this matter is not fully rectified and corrected immediately, I will pursue financial compensation to the fullest extent permitted by federal law. 



CERTIFICATION I certify that the information in this dispute is accurate to the best of my knowledge. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief