Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XX/XX/XXXX Last XXXX SSN : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX  XXXX DC XXXX RE : Formal Dispute of Unverifiable, Inaccurate, and Incomplete Information under the FCRA ( 15 U.S.C. 1681 et seq. ) Dear Consumer Financial Protection Bureau, I am writing to formally dispute several items appearing on my credit report obtained from your agency dated XX/XX/XXXX, as they are inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ). 
Pursuant to 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of each disputed entry and delete any information that can not be verified or found to be accurate within XXXX XXXX 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported differently across bureaus ( Equifax, Experian, TransUnion ). 

Status inconsistencies ( Charged off, Paid, Settled for less than full balance ) indicate inaccurate and unverifiable reporting in violation of 15 U.S.C. 1681e ( b ) and 1681i ( a ).

Demand : Immediate deletion due to failure to maintain consistent and verifiable data. 



XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Debt ownership unverifiable ; no original creditor documentation provided. 

Reporting across bureaus shows conflicting dates of activity and balance figures, violating FCRA 623 ( a ) ( 1 ) ( A ) ( furnishers must report accurate data ). 

XXXX is a debt buyer and must validate under FDCPA 809 ( b ) ( 15 U.S.C. 1692g ). 

Demand : Permanent deletion for lack of verifiable evidence. 



XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This debt is either duplicated or re-aged, which constitutes illegal re-aging under FCRA 623 ( a ) ( 5 ). 

The alleged original creditor ( XXXX ) has not reported this directly, making the tradeline unverifiable. 

Demand : Immediate removal for inaccurate and incomplete reporting. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported differently across bureaus ( Equifax, Experian, TransUnion ). 

XXXX related to XXXX XXXX at XXXX XXXX AZ, disputed balance of {$11000.00}. 

No record of judgment or valid lease documentation provided. 

Violates FCRA 611 ( a ) ( 1 ) ( failure to verify accuracy ) and FDCPA 807 ( 8 ) ( false credit reporting ). 

Demand : Deletion of this unverifiable collection account. 



XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Duplicate reporting of a prior XXXX XXXX XXXX account. 

Balance and date discrepancies violate FCRA 607 ( b ) ( maximum possible accuracy requirement ). 

Demand : Delete immediately as duplicate and unverifiable. 



XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed and paid, yet continues to show late payments ( XX/XX/XXXX days ) post-closurefactually impossible and violates FCRA 623 ( a ) ( 2 ). 

Demand : Remove all late notations or delete tradeline entirely. 




Legal Grounds for Dispute : FCRA 607 ( b ) : Credit bureaus must assure maximum possible accuracy.

FCRA 611 ( a ) : Must reinvestigate disputed information within 30 days.

FCRA 623 ( a ) ( 1 ) : Furnishers can not report information they knowor should knowto be inaccurate.

FCRA 623 ( a ) ( 5 ) : Prohibits re-aging of accounts.

FDCPA 809 ( b ) : Requires debt collectors to validate alleged debts upon dispute.

15 U.S.C. 1681c ( a ) ( 4 ) - ( 5 ) : Outdated or obsolete accounts may not be reported after 7 years.

Action Requested : Conduct a full reinvestigation of each disputed account. 

Provide me with documentation verifying accuracy from the original creditor. 

Delete any unverifiable, inconsistent, or incomplete data. 

Send me an updated copy of my credit report reflecting these deletions. 


Failure to comply with your duties under the FCRA and FDCPA will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Arizona Attorney Generals Office, and may result in civil action under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ( last XXXX digits ) : XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Signature : XXXX XXXX

Company response to consumer: Closed with explanation