Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
Re : Formal Demand for Verification & Documentary Proof XXXXXXXX XXXX XXXX Accounts To Whom It May Concern, This letter serves as a formal demand for full verification and validation of XXXX XXXX XXXX accounts currently being reported under your name, XXXX, and appearing on my credit reports across all three consumer reporting agencies. 

I specifically dispute the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your reporting is materially inconsistent and harmful. Both loans report as Never Late with Experian, yet 120+ days delinquent with Equifax and TransUnion XXXX These contradictions are evidence that no accurate reinvestigation has occurred and that your reporting is not supported by legally verifiable documentation. 

As required under 15 U.S.C. 1681s-2, 15 U.S.C. 1692g, and the Higher Education Act, you must verify this information with actual source documentationnot electronic database matchesand provide full proof of your legal authority to report and collect on these accounts. 



MANDATORY DOCUMENTATION REQUIRED FOR VERIFICATION 1. Loan Origination & Contractual Obligation Original signed promissory notes Truth in Lending disclosures Confirmation that reported terms match the original agreement Evidence that loan origination complied with federal law ( 20 U.S.C. 1070 et seq. ) 2. Chain of Title & Legal Assignment Documentation of loan transfers from origination to present Proof that XXXX currently owns or services the loans Securitization documentation ( if applicable ) and legal standing to collect/report 3. Servicing Rights & Reporting Authority Documentation showing XXXX legal authority to report to CRAs RESPA compliance records ( 12 U.S.C. 2605 ) State licensing ( if required ) and XXXX registration verification 4. Payment History & Status Accuracy Full itemized transaction history from inception to present Validation that any delinquencies are accurate, not automated/systemic Explanation of conflicting Never Late vs. 120+ Late status across bureaus 5. Interest Calculations & Account Balances Interest computation breakdown Documentation matching original contract rates and fees Itemized ledger showing current balance is lawful and accurate 6. FCRA Compliance & Furnisher Certification Verification that all reported data is complete and accurate under 15 U.S.C. 1681s-2 Evidence that data has not been re-aged or improperly extended Confirmation that derogatory data does not exceed federal reporting limits Proof of manual reinvestigationnot automated e-OSCAR dispute handling 7. Special Status Reporting ( if applicable ) Verification of forbearance, deferment, CARES Act suspension, or IDR plan Documentation proving those statuses were correctly reported 8. Method of Verification & Reinvestigation History Explanation of how this data was verified Names, titles, and departments of individuals who reviewed disputes Copy of any prior disputes and documents relied upon in verification

Company response to consumer: Closed with explanation