Consumer complaint received 2025-02-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding an inaccuracy in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 i, which mandates a reasonable investigation of disputes. Furthermore Equifaxes actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File number XXXX ) against them for similar violations. I request that the cfpb take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of Investigation. 

Per your most recent request sent through the CFPB : Credit Report Reference Number ( XXXX ) : XXXX & XXXX I am writing to formally dispute the accuracy of the following accounts that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have any information that is inaccurate, incomplete, or unverifiable corrected or removed. After reviewing my credit report, I believe the following accounts are reported inaccurately, which has caused significant harm to my creditworthiness, as well as undue challenges in obtaining both credit and insurance. 
Additionally, I have attached a report from Equifax, dated XX/XX/XXXX, which includes information on these same accounts that is inconsistent with the details currently being reported. Ive included copies of those specific pages for your reference, which further highlight these discrepancies. 
1. Account : XXXX XXXX XXXX XXXX Account Type : Closed/Charge-Off Reported Last Date of Activity : XX/XX/XXXX First Date of Delinquency : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Date Account Closed : Unknown Charge-Off Date : XX/XX/XXXX Discrepancy : The Last Payment Date ( XX/XX/XXXX ) is inconsistent with the reported First Date of Delinquency ( XX/XX/XXXX ). 
The Charge-Off Date ( XX/XX/XXXX ) is well after the accounts closure date, indicating potential reporting errors. 
Equifax Report Inconsistency : Equifax shows that the First Date of Delinquency is reported as earlier than the information in the current credit report. Again, this highlights an ongoing reporting issue. 
2. Account : XXXX XXXX XXXX Account Type : Closed/Charge-Off Reported Last Date of Activity : XX/XX/XXXX First Date of Delinquency : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Date Account Closed : Unknown Charge-Off Date : XX/XX/XXXX Discrepancy : The First Date of Delinquency ( XX/XX/XXXX ) contradicts the Last Payment Date ( XX/XX/XXXX ), a 7-month gap, which is inconsistent and erroneous. 
The Charge-Off Date ( XX/XX/XXXX ) is an inconsistency, as the Last Payment Date is too recent to logically support that charge-off date. 
Equifax Report Inconsistency : The Equifax report from XX/XX/XXXX reflects different dates for the Last Payment and Charge-Off information, which further confirms that the current entry on my credit report is inaccurate. 
XXXX. Account : XXXX XXXX  XXXX XXXX Account Type : Closed/Charge-Off Reported Last Date of Activity : Unknown First Date of Delinquency : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Date Account Closed : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Discrepancy : The First Date of Delinquency ( XX/XX/XXXX ) is listed long after the Last Payment Date ( XX/XX/XXXX ), which is highly unusual and suggests inaccurate reporting. 
The Charge-Off Date ( XX/XX/XXXX ) exceeds the 7-year reporting limit under the FCRA. 
Equifax Report Inconsistency : The Equifax report from XX/XX/XXXX clearly lists different dates for this account, with the Charge-Off Date showing as earlier and the First Date of Delinquency inconsistent with the information currently reported. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Type : Closed/Charge-Off Reported Last Date of Activity : Unknown First Date of Delinquency : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Date Account Closed : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Discrepancy : The First Date of Delinquency ( XX/XX/XXXX ) and the Charge-Off Date ( XX/XX/XXXX ) are inconsistent. The reported dates create an illogical timeline. 
The Charge-Off Date is recent and does not align with the 7-year reporting requirement set by the FCRA. 
Equifax Report Inconsistency : The Equifax report from XX/XX/XXXX shows that these dates do not match what is currently being reported. The discrepancies in dates between the two sources further validate my position that the current reporting is inaccurate. 
Request for Action : In accordance with FCRA Sections 609 ( a ) ( 1 ) and 611, I request that you investigate these discrepancies and remove these inaccurate entries from my credit report. These inaccuracies not only violate the legal standards of the FCRA, but they have also caused significant and ongoing harm to my creditworthiness. As these accounts are nearing 5 years old, they have outlived the acceptable reporting time frame and should be deleted from my record. 
Please find attached copies of the relevant pages from my Equifax report, dated XX/XX/XXXX, which show additional inconsistencies with the information being reported. These documents support my request for immediate deletion of the inaccurate accounts. 
Please update me with the results of your investigation within the 30-day period as required by law. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation