Consumer complaint received 2025-08-12 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX Date of Birth : XX/XX/XXXX XXXX Date : XXXX XXXX To : [ Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX ] RE : Formal Dispute and Demand for Deletion Under FCRA Violations Account ( s ) : [ DEPT OF EDUCATION, # XXXX DEPT OF EDUCATION, # XXXX DEPT OF EDUCATION, # XXXX DEPT OF EDUCATION, # XXXX ] XXXX XXXX XXXX XXXX XXXX CLOSED, # XXXX STATUS : CHARGE OFF XXXX XXXX XXXX closed Loan/Account type : Debt Buyer Account XXXX DEPT OF EDUCATIONXXXX XXXX XXXX  closed Loan/Account type XXXX Education loan Account XXXX XXXX  closed Loan/Account type : Line of credit Account XXXX XXXX Loan/Account type : Education loan Account XXXX To Whom It May Concern : I am writing to formally dispute the inaccurate, incomplete, and unverifiable information listed in my credit file pursuant to my rights under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 * *, and recent legal precedents established in * * federal lawsuits * * against both * * Equifax and Experian * * regarding their failure to maintain reasonable procedures to ensure maximum possible accuracy.

# # # SPECIFIC LEGAL GROUNDS FOR THIS DISPUTE : 1. * * Violation of 15 U.S.C. 1681e ( b ) : * * The data furnishers and your agency failed to ensure the maximum possible accuracy of the account in question, which has resulted in a * * false, misleading, and harmful derogatory mark * * remaining on my report.

2. * * Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : * * You are legally obligated to conduct a * * reasonable reinvestigation * * within 30 days upon receiving notice of dispute. The account in question is either * * not verifiable * *, * * factually inaccurate * *, or * * materially incomplete * *.

3. * * Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : * * If the disputed information can not be verified during your investigation, you must * * permanently delete * * the item from my credit file.

4. * * Recent Precedent : * * I am aware of recent * * settlements and legal actions * * brought by the CFPB and class-action plaintiffs against * * Experian and Equifax * *, for failing to promptly correct disputed entries and violating consumer rights especially regarding * * student loan inaccuracies, account aging errors, and mixed files * *. Your continued failure to correct these errors leaves you liable for * * statutory and punitive damages * * under * * 15 U.S.C. 1681n and 1681o * *.

-- - # # # DEMAND FOR ACTION : Given the above violations and precedents, I demand the following action within * * five ( 5 ) calendar days * * from receipt of this letter : - * * Permanently remove * * the following account ( s ) from my credit report : - Account Name : [ Example : DEPT OF EDUCATIONXXXX ] XXXX Account Number : Last 4 digits : XXXX - Reason : [ E.g., inaccurate reporting of delinquency despite payment, unverifiable balance, or unauthorized status ] - * * Send confirmation * * of deletion and an updated copy of my credit report to the mailing address listed above. 

-- - # # # NOTICE OF LEGAL INTENT : Failure to resolve this matter within 5 days will leave me no choice but to escalate to : - A * * formal complaint with the CFPB and FTC * * - A * * civil suit * * under FCRA XXXX, XXXX for actual, statutory, and punitive damages - Reporting to state Attorney General for * * unfair credit reporting practices * * and * * negligent noncompliance * * You have already contributed to my denials for * * credit cards * *, * * auto financing * *, and * * unjustified high interest rates * *, which is quantifiable financial harm. This letter serves as * * final notice * * before litigation. 

-- - Honorably, XXXX XXXX XXXX all rights exercised XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX Date of Birth : XX/XX/XXXX XXXX Date : XXXX XXXX Certified Mail # : XXXX RE : FORMAL DISPUTE & LEGAL DEMAND FOR PERMANENT DELETION OF INACCURATE, OUTDATED, AND UNVERIFIABLE ACCOUNTS FILED UNDER FCRA To : TransUnion XXXX. XXXX XXXX XXXX, PA XXXX : This letter is a * * formal demand * * for immediate investigation and deletion of multiple accounts on my credit report that are * * inaccurate, unverifiable, outdated, or materially incomplete * *, in direct violation of the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 * *.

I assert my rights under the following legal provisions : -- - # # # * * VIOLATIONS OF FEDERAL LAW ( FCRA ) : * * - * * 1681e ( b ) * * You failed to follow reasonable procedures to ensure maximum possible accuracy of the reported information.

- * * 1681i ( a ) ( 1 ) ( A ) * * You are required to conduct a reasonable reinvestigation within 30 days upon receipt of this dispute.

- * * 1681i ( a ) ( 5 ) ( A ) * * If the disputed information can not be verified, you must delete it from my credit file.

- * * 1681s-2 ( b ) * * Data furnishers are required to correct or delete information found to be inaccurate or incomplete.

- * * 1681c ( a ) ( 4 ) / ( 5 ) * * You are prohibited from reporting adverse information that is outdated or exceeds time limits. 

-- - # # # DISPUTED ACCOUNTS : 1. * * US DEPT OF EDUCATION / XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status * * : Closed/Transferred - * * Balance * * : {$0.00} - * * Violation * * : Per 1681c, this account is outdated and should not be reported after transfer and {$0.00} balance.

- * * Demand * * : Immediate deletion due to outdated and unverifiable status. 

2. * * XXXX XXXX XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status * * : Collection ; {$220.00} | Opened : XX/XX/XXXX - * * Violation * * : Debt not validated ; account lacks signed contract or proof of liability ( 1681i ). 
- * * Original creditor * * : XXXX XXXX XXXX. 
- * * Demand * * : Remove due to lack of validation and failure to provide evidence of liability. 

3. * * CXXXX XXXX XXXX ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status * * : Collection ; {$110.00} | Original Creditor : XXXX - * * Violation * * : No original signed agreement provided; this is a third-party debt without proof ( 1681s-XXXX ). 
- * * Demand * * : ImmediatXXXX removal for unverifiable and disputed debt. 

4. * * XXXX / DEPT OF ED ( Multiple Accounts ) * * - * * Accounts * * : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balances * * : {$4600.00} | {$3900.00} | {$2100.00} - * * Status * * : XXXX Days Late | Dates : Opened XXXX - * * Violation * * : Improper account aging, duplicate reporting, failure to note disputed status, outdated terms. 
- * * Demand * * : Permanently delete due to outdated balance history, data inconsistencies, and duplicative entries. 

5. * * XXXX XXXX XXXX XXXX ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status * * : Charged-off ; Balance : {$4200.00} - * * Closed * * : XX/XX/XXXX | Last payment : XX/XX/XXXX - * * Violation * * : Unverified charge-off ; no documentation of default or deficiency balance ; terms inconsistent. 
- * * Demand * * : Remove immediately due to unverifiable and improperly documented status. 

XXXX XXXX XXXX XXXX XXXX LEGAL DEMAND : I am invoking my rights under FCRA and demanding : - A * * complete reinvestigation * * of the accounts listed above. 
- * * Deletion * * of any item that can not be verified with original documentation, including : - Signed contract ( s ), - Complete payment history, - Clear chain of ownership for collection accounts.

If your investigation does * * not fully verify with documentation from the original creditor * *, you are legally * * required to delete the account * * within 13 days.

You are hereby placed on * * 5-day legal notice * *. If you continue to report inaccurate, unverifiable, or outdated information after this timeframe, I will pursue : - Legal action for * * actual, statutory, and punitive damages * * under 1681n and 1681o - A * * formal complaint * * to the * * Consumer Financial Protection Bureau ( CFPB ) * * and * * Federal Trade Commission ( FTC ) * * - Civil penalties for * * negligent and willful noncompliance * * Honorably, XXXX XXXX XXXX all rights exercised XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX Date of Birth : XX/XX/XXXX XXXX Date : XXXX XXXX Certified Mail # : XXXX XXXX XXXXXXXX To : [ Experian XXXX XXXX XXXXXXXX XXXX XXXX, Texas XXXX ] I am formally disputing inaccurate, incomplete, or unverifiable information contained in my credit file under my rights provided by the Fair Credit Reporting Act ( FCRA ). You are required by law under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to reinvestigate each of the items below within 30 calendar days of receiving this dispute.

The following account ( s ) are reported inaccurately, are not fully verifiable, or have outdated information. I demand a full reinvestigation and request permanent deletion of any entry that can not be 100 % verified with documented proof.

________________________________________ Disputed Accounts 1. DEPT OF EDUCATION/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Issue : Marked Open but delinquent. Balance updates are inconsistent with actual loan payoff terms. The account reports a {$160.00} past due as of XX/XX/XXXX, but the original loan was for {$1700.00} and has exceeded 120 months without correct amortization. The derogatory status is incomplete and misleading, violating 15 U.S.C. 1681e ( b ) ( failure to maintain accurate records ). 
2. US DEPT OF EDXXXX Account Number : XXXX Status : Marked " Transferred, closed/Never late. '' Issue : This is a transferred loan and should no longer appear as a current account. Reporting of this data as active or open may double-report debt and violate FCRA 1681s-2 ( a ) ( 1 ) ( A ). Additionally, its continued presence may be obsolete or misleading post-transfer. 
3. Collection Account Account XXXX XXXXXXXX Creditor : [ Insert Creditor Name from Report ] Balance : {$110.00} Issue : This collection account lacks full validation and does not show any attempts to contact me prior to reporting. Under XXXX XXXX. XXXX ( b ) ( FDCPA ), I have a right to dispute and request debt validation, which I have not received. The account lacks original creditor details, a contract, and complete chain-of-custody documentation. This violates FCRA XXXX and FDCPA XXXX. 
4. DEPT OF EDUCATIONXXXX ( Second Entry ) Account Number : XXXX Balance : {$4600.00} Issue : Duplicate entry for same servicer as # 1, reflecting {$400.00} past due. This may constitute duplicate reporting, which inflates total debt and misrepresents creditworthiness, in violation of FCRA 1681i. Also lacks monthly update consistency and fails XXXX 2 formatting standards.

________________________________________ Legal Grounds for Deletion or Correction : FCRA 1681e ( b ) Duty to maintain accuracy and integrity of credit data.

FCRA 1681i ( a ) Duty to reinvestigate disputed information within 30 days.

FDCPA 809 ( 15 U.S.C. 1692g ) Right to request validation of debt.

FCRA 1681s-2 ( b ) Furnisher obligations upon notice of dispute.

________________________________________ Demands : 1. Immediate reinvestigation of the items listed above.

2. Deletion of any item that can not be fully verified through original signed documentation or that contains incomplete/inconsistent data. 
XXXX. A written response within 30 days, as required by law. 
4. A complete copy of my updated credit report once your investigation is completed.

________________________________________ Please be advised that any failure to comply with federal obligations under the FCRA and FDCPA may result in legal action and complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Office of the Attorney General in my state. 
Honorably, XXXX XXXX XXXX all rights exercised XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief