Consumer complaint received 2025-07-21 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: MA

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Demand for Deletion, Validation & Correction of Inaccurate, Unverified, or Noncompliant Data Enforcement Under FCRA 602, 604, 605, 609, 611, 623 ; CFPB, FTC, FDCPA, Metro 2 Dear Experian Compliance Department, This is a formal dispute, validation, and deletion demand regarding data in my Experian credit file. I am invoking my full rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ) regulations, Federal Trade Commission ( FTC ) guidance, Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 data reporting standards. You are required to conduct a lawful reinvestigation and provide documented verification, correction, or deletion of every item I dispute.

I Dispute & Demand Action On the Following : Past-due reporting ( 30/60/90+ days ) where inaccurate, incomplete, or unsupported.

Collections/ Debt collector tradelines lacking full validation or chain of title ( FDCPA 809 ; FCRA 623 ( b ) ).

Charge-off / Write-off accounts without proper substantiation ; provide Form 1099-C if debt was canceled.

Late payments reported in error or without supporting payment history.

Paid & closed accounts still coded delinquent, charged-off, or in collection contrary to Metro 2 .

Obsolete accounts & negative info beyond legal reporting periods ( FCRA 605 ( a ) ).

Unauthorized hard/soft inquiries lacking permissible purpose ( FCRA 604 ( a ) ).

Inaccurate personal data ( old addresses, wrong phone numbers, incorrect name variants, mixed files ). Purge all but my current verified information.

Data sharing / breach exposure : Identify and remove any data that was compromised, misattributed, or furnished without authorization.

Documentation & Data Access Demands Please provide : ACDV ( Automated Consumer Dispute Verification ) records and all responses received from furnishers for the disputed items.

Complete data furnisher internal FCRA-compliance procedures related to investigation, verification, and reporting accuracy.

Full account-level documentation : original signed contracts, payment histories, charge-off ledgers, collection assignments, and chain-of-custody where third parties are involved.

Permissible purpose evidence for each hard inquiry in my file ( FCRA 604 ).

Date of first delinquency ( DOFD ) used for aging and obsolescence calculations.

Required Actions Reinvestigate per FCRA 611 ( a ) within 30 days of receipt.

Delete or correct any item that can not be fully verified or is noncompliant with Metro 2.

Remove obsolete data per FCRA 605.

Update paid, settled, or closed accounts to accurate current status.

Remove unauthorized inquiries.

Purge inaccurate personal identifiers.

Noncompliance Notice Failure to comply will result in complaints to the CFPB, FTC, and my State Attorney General, and may result in civil action for damages under FCRA 616617 and FDCPA 813.

Please send : ( 1 ) Written investigation results, ( 2 ) an updated credit report, and ( 3 ) copies of all documents relied upon.

Enclosures : Government ID ; proof of address ; Attachment A ( Disputed Items Table ) ; supporting documentation.

Company response to consumer: Closed with explanation