Consumer complaint received 2025-08-17 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: MI

Complaint narrative:
CFPB Dispute / Complaint Letter To : Consumer Financial Protection Bureau Subject : FCRA dispute of inaccurate/unsupported negative credit reporting ( Equifax, Experian, TransUnion ) Consumer : XXXX XXXX XXXX XXXX XXXX Last 4 of SSN : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX : XXXX / XXXX Dear CFPB, I am filing a complaint and requesting assistance regarding inaccurate and/or unverified negative items reported about me by Equifax, Experian, TransUnion, and certain furnishers. I am disputing the accuracy and completeness of the accounts listed below and requesting that the CFPB forward this complaint to the relevant companies and ensure a proper reinvestigation under the following applicable consumer protection laws : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. : 1681e ( b ) - Requires reasonable procedures to ensure maximum possible accuracy 1681i ( Section 611 ) - Consumer reporting agency duties regarding disputed information 1681s-2 ( a ) - Furnisher duties regarding accuracy of information 1681s-2 ( b ) - Furnisher duties upon notice of dispute from consumer reporting agency 1681j - Charges for certain disclosures 1681m - Requirements on users of consumer reports Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq. : ( applicable to third-party debt collectors ) 1692e - Prohibits false or misleading representations 1692f - Prohibits unfair practices 1692g - Validation of debts requirements Consumer Financial Protection Act - 12 U.S.C. 5531 et seq. : 5531 - Prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) 5536 - Authority over consumer reporting companies Electronic Fund Transfer Act ( EFTA/Regulation E ) - 15 U.S.C. 1693 et seq. : ( if applicable to disputed electronic transactions ) Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq. : ( applicable to credit accounts ) State Consumer Protection Laws : ( applicable state statutes regarding debt collection, credit reporting, and unfair business practices ) I have previously disputed some of these items directly with the credit reporting agencies, but received inadequate responses that failed to provide proper verification or documentation as required by law. 
Disputed Items XXXX XXXX XXXX reported as Charge-off {$2000.00} by Equifax, Experian, and TransUnion ( XXXX XX/XX/XXXX, last activity [ MM/DD/YYYY ] ). 
Dispute reasons : [ not mine ] [ balance/past-due inaccurate ] [ dates inconsistent ] [ insufficient documentation ]. 
Relief requested : Delete the tradeline or correct to accurate, fully documented information ; provide copies of the underlying contract, complete payment history, charge-off calculation, proof of chain of title if sold, and verification that the debt is within the applicable statute of limitations. 

XXXX XXXX XXXX XXXX reported as a Collection {$460.00} by Equifax, Experian, and TransUnion ( opened XX/XX/XXXX ; closed/collection date [ MM/DD/YYYY ] ). 
Dispute reasons : [ not mine ] [ no notice of debt ] [ amount/DOFD incorrect ] [ collector lacks validation ]. 
Relief requested : Provide full validation including original service agreement, itemized bills, final billing/termination date, Date of First Delinquency ( DOFD ), and proof of legal assignment/ownership with complete chain of title ; if collecting, provide FDCPA validation under 1692g ; if unverified, delete entirely. 

XXXX XXXX XXXX XXXX {$72.00} ( reported by Equifax, date opened [ MM/DD/YYYY ] ). 
Dispute reasons : [ no validation ] [ amount/date inaccurate ] [ collector ownership unproven ]. 
Relief requested : Provide complete validation including original creditor documentation, proof of purchase/assignment, itemized account history, FDCPA validation under 1692g, and verification of legal right to collect ; if unverified, delete. 

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Collection {$890.00} ( reported by Experian, date opened [ MM/DD/YYYY ] ). 
Dispute reasons : [ insurance balance disputed/settled ] [ no validation ] [ billing in error ]. 
Relief requested : Validate fully with original policy documentation, itemized charges breakdown, proof of unpaid balance, and documentation of any settlements or payments ; if unverified, delete. 

XXXXXXXX XXXX XXXX  ( XXXXXXXX XXXX XXXXXXXX ) Collection {$250.00} ( reported by TransUnion, date opened [ MM/DD/YYYY ] ). 
Dispute reasons : [ not mine ] [ no validation ] [ amount/date inaccurate ]. 
Relief requested : Provide complete validation with original creditor information, proof of debt ownership, FDCPA validation under 1692g, and itemized account details ; if unverified, delete. 

XXXX  120 days past due {$120.00} ( reported by TransUnion, account opened [ XXXXM/DD/YYYY ] ).

Dispute reasons : [ never late ] [ late-date inaccurate ] [ balance wrong ] [ account status misreported ].

Relief requested : Correct to " paid as agreed '' with accurate payment history and dates, or delete if proper verification can not be provided. 

XXXX XXXX 30 days past due {$25.00} ( reported by TransUnion, account opened [ MM/DD/YYYY ] ). 
Dispute reasons : [ never late ] [ past-due incorrect ] [ date/status inconsistent across bureaus ]. 
Relief requested : Remove the late payment notation entirely or provide documented proof of the claimed delinquency with specific dates and amounts ; correct reporting across all bureaus for consistency. 

Additionally, several closed accounts show older late-payment notations ( including XXXX and XXXX XXXX XXXX accounts XXXX XXXX Please ensure the CRAs and furnishers verify the accuracy of these late payment histories, including verification of the Date of First Delinquency and confirmation that any reported late payments were not the result of disputed billing or accounts that were subsequently resolved. Remove any unverified, inaccurate, or obsolete derogatory history. 
What I'm Requesting Complete reinvestigation by Equifax, Experian, and TransUnion within the 30-day FCRA timeline ( or notification if additional time is required ), with written results detailing the specific method of verification used for each disputed item. 
From each furnisher/collector : copies of the original contract or service agreement, complete itemized account statements, full payment history, Date of First Delinquency documentation, charge-off calculations where applicable, proof of legal assignment/ownership with complete chain of title, and verification that each debt is within the applicable statute of limitations. 
Deletion of any item that can not be substantiated with proper original-source documentation, or correction to fully accurate and complete information with supporting documentation. 
Updated credit reports sent to me at no charge, plus notification to any creditors who have accessed my reports within the past 6 months ( or 2 years for employment purposes ) of any corrections or deletions made. 
Written confirmation that all furnishers have been notified of any disputed information and have ceased reporting unverified data in compliance with FCRA XXXX681s-2.

Investigation of potential UDAAP violations under the Consumer Financial Protection Act where companies have engaged in unfair, deceptive, or abusive practices in their reporting or collection activities.

Request for Complete Removal of All Negative Information Given the systemic nature of these reporting inaccuracies and the failure of the credit reporting agencies and furnishers to maintain accurate records as required by law, I am requesting the complete removal of ALL negative information from my credit files with Equifax, Experian, and TransUnion.

Legal Basis for Complete Removal : Under FCRA 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. The widespread inaccuracies detailed above demonstrate a clear failure to meet this standard. 
Under FCRA 1681i, when information can not be verified or is found to be inaccurate, it must be deleted. The inability of these companies to provide proper documentation for multiple accounts indicates systemic verification failures.

Justification for Complete Removal : Pattern of Inaccurate Reporting : The multiple disputed items across all three bureaus demonstrate a pattern of accepting and reporting unverified information.

Failure to Maintain Proper Records : The lack of documentation for these accounts suggests inadequate record-keeping procedures that violate FCRA accuracy requirements.

Harm to Consumer : The continued reporting of unverified negative information has damaged my credit profile and ability to obtain credit, housing, and employment.

Burden of Proof Not Met : Under the FCRA, the burden is on the credit reporting agencies and furnishers to verify the accuracy of reported information. Their inability to do so warrants complete removal.

Alternative Relief : If complete removal is not granted, I demand that the credit reporting agencies place a consumer statement on my credit files explaining that multiple accounts were disputed due to accuracy issues and lack of proper verification by the reporting entities.

I reserve all rights under federal and state law, including the right to pursue legal action for willful or negligent non-compliance with consumer protection statutes if this matter is not resolved satisfactorily.

I have attached copies of my identification, proof of current address, and highlighted pages from each credit report showing the disputed items referenced above. I am maintaining copies of all documentation for my records and request that all responses be provided in writing.

Please note that any continued reporting of unverified information after this dispute may constitute violations of the above-referenced consumer protection laws. I expect full compliance with all applicable federal and state consumer protection statutes. 
Thank you for your assistance in ensuring full compliance with all applicable consumer protection laws and resolving these reporting inaccuracies. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief