Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ]. I request that Experian conduct a thorough reinvestigation of the accounts listed below. Each account contains inaccurate, incomplete, unverifiable, or obsolete information. Pursuant to FCRA 611, 609 ( a ) ( 1 ), and 623 ( a ), you must either verify the accuracy with complete documentation from the furnisher or delete the information within 30 days. 

I also invoke my rights under the Fair Debt Collection Practices Act ( FDCPA ) for all accounts furnished by debt collectors, requiring full validation of the alleged debts. 

Disputed Accounts & Reasons XXXX  Acct # XXXX Balance and charge-off amounts are inconsistent ( {$33000.00} vs. {$36000.00} ). 
Missing Date of First Delinquency ( DOFD ). 
Violation : FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), FDCPA 807 ( 2 ) ( A ). 
XXXXXXXX XXXX XXXXXXXX Acct # XXXX No original creditor listed; DOFD missing.

Violation : FCRA 623 ( a ) ( 5 ), FDCPA 807 ( 2 ) ( A ). 
XXXX XXXX Acct # XXXX Lacks full payment history ; DOFD not shown ; may be obsolete.

Violation : FCRA 605 ( a ), 623 ( a ) ( 1 ). 
XXXX XXXX XXXX Acct # XXXX No original creditor ; possible re-aging. 
Violation : FCRA 623 ( a ) ( 5 ), FDCPA 807. 
XXXX XXXX XXXX Acct # XXXX DOFD missing ; possible obsolete account. 
Violation : FCRA 605 ( a ), 609 ( a ). 
XXXX XXXX XXXX XXXX Acct # XXXX Medical debt without provider name ; DOFD missing ; potential HIPAA issue. 
Violation : FCRA 623 ( a ) ( 5 ), HIPAA, FDCPA 807. 
XXXX XXXX XXXX Acct # XXXX Duplicate reporting suspected ; no original creditor or DOFD. 
Violation : FCRA XXXX ( b ), XXXX ( a ) ( XXXX ). 
XXXX XXXX XXXX Acct # XXXX Duplicate reporting suspected ; no original creditor or DOFD. 
Violation : Same as above. 
KANSAS DEPARTMENT FOR CH Acct # XXXX DOFD missing ; incomplete information. 
Violation : FCRA 623 ( a ) ( 5 ). 
XXXX XXXX  Acct # XXXX Debt buyer with no original creditor or DOFD ; possible re-aging. 
Violation : FCRA 623 ( a ) ( 5 ), FDCPA 807 ( 8 ). 
XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX missing ; no original creditor listed. 
Violation : Same as above. 
XXXX XXXX XXXX XXXX Acct # XXXX ( Two entries ) Appears to be duplicate reporting of one account.

Violation : FCRA 607 ( b ), 623 ( a ) ( 5 ). 
XXXX XXXX Acct # XXXX Balance and charge-off amount questionable; possible reporting error. 
Violation : FCRA 623 ( a ) ( 1 ). 
XXXX  Acct # XXXX Status unclear ; missing payment history and DOFD. 
Violation : FCRA 609 ( a ), 623 ( a ) ( 5 ).

Requested Action : Please provide, for each disputed account, the name and contact of the original creditor, the complete payment history, the Date of First Delinquency, and documentation verifying the accounts accuracy. If you can not verify the accuracy with original records, you must delete the item from my file per FCRA 611 ( a ) ( 5 ) ( A ).

Please send me an updated copy of my credit report reflecting the results of your reinvestigation. This letter is sent via Certified Mail, Return Receipt Requested for record-keeping purposes. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief