Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX, CA XXXX Date : XX/XX/XXXX TO : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TO : TransUnion LLC XXXX XXXX XXXX XXXX XXXX, PA XXXX TO : Experian Information Solutions , Inc . 
XXXX XXXXXXXX XXXX XXXX, TX XXXX RE : FORMAL DISPUTE AND DEMAND FOR CORRECTION INACCURATE ACCOUNT REPORTING ( XXXX XXXX XXXX XXXX XXXX ) ( Account No. XXXX Closed at Consumers Request ) To Whom It May Concern : This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681 et seq., and a demand for immediate correction of inaccurate and misleading credit information related to the following account reported on my Equifax file. 
ACCOUNT DETAILS : Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Credit Limit : {$500.00} Highest Balance : {$480.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( at consumers request ) Last Payment : XX/XX/XXXX Status : Paid, Closed Comment : Account closed at consumers request Disputed Entry : XXXX late payment ( XX/XX/XXXX ) BASIS OF DISPUTE : This account was closed voluntarily after repeated attempts to correct misreporting were ignored by the creditor. The account was paid in full and closed by my choicenot due to delinquency or creditor enforcement. The 30-day late notation from XX/XX/XXXX remains uncorrected despite being inaccurate, disputed, and unverified. 
This derogatory mark unfairly harms my credit standing by misrepresenting the outcome and nature of the account. The account was not only paid and responsibly managed, but closed due to the creditors failure to respond to prior disputesa critical detail omitted in your current reporting.

LEGAL VIOLATIONS : FCRA 1681e ( b ) : Requires consumer reporting agencies to ensure maximum possible accuracy. Reporting a negative mark without including the context of multiple disputes and voluntary closure constitutes a misleading and incomplete entry.

FCRA 1681i ( a ) : Requires Equifax to conduct a reasonable reinvestigation of any disputed item. Failure to verify the full recordincluding
consumer intent and unresolved disputesdemands correction or deletion.

Koropoulos v. Credit Bureau , Inc., 734 F.2d 37 ( D.C. Cir. 1984 ) : Affirmed that a credit report may still be legally misleading even if certain data points are technically accurate. 
HEIGHTENED LEGAL RISK XX/XX/XXXX DATA BREACH : The XX/XX/XXXX national data breach, which exposed over 184 million unencrypted consumer credentials across major financial platforms, government portals, and credit-linked accounts including those held by Equifax and associated furnisherssignificantly raises the stakes of inaccurate reporting. 
In light of this breach, your agency has a heightened duty of care to remove misleading, disputed, or incomplete credit entries that may compound consumer vulnerability to identity theft, denial of access, or reputational damage. The retention of a disputed late payment on a paid, closed, and voluntarily terminated accountespecially without contextamplifies potential harm.

Failure to correct this record now risks both regulatory noncompliance and private legal exposure, particularly given Equifaxs history and the industry-wide attention on breach accountability. DEMAND FOR RELIEF : You are hereby directed to take th
e following corrective actions within four ( 4 ) calendar days from the date of this letter : 1. Remove or neutralize the 30-day late notation from XX/XX/XXXX on the XXXX XXXX account ; 2. 3. Update the status to reflect the consumer-initiated closure and paid-in-full resolution, with no derogatory notations ; Provide written confirmation of all verification steps taken, including any response or documentation received from the furnisher ( XXXXXXXX XXXX XXXX XXXX XXXX ). 
Failure to comply will result in immediate formal complaints with the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) California Attorney Generals Office I also reserve the right to pursue civil damages under 15 U.S.C. 1681n and 1681o for any willful or negligent violations of the FCRA.

This letter is submitted in good faith and with full reservation of rights under applicable state and federal law. 
Sincerely, XXXX XXXX XXXX

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