Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting Request for Immediate Deletion Dear Experian Dispute Department, I am formally disputing the accuracy and legality of the information being reported for the above-referenced account by XXXX XXXX XXXX on my Experian credit report. 

Upon review of my current credit report, I found multiple serious inaccuracies and compliance violations that render the continued reporting of this account false, misleading, and unlawful under the Fair Credit Reporting Act ( FCRA ). 



VIOLATIONS & DISPUTED DETAILS : 1. Inaccurate Balance Updated Date Future-Dated Reporting The balance shows an update on XX/XX/XXXX, which is a future date and therefore impossible. This constitutes a violation of FCRA 1681e ( b ), which mandates the reporting of accurate and current information. Reporting impossible dates is inherently inaccurate.

2. Improper Re-Aging and Delinquency Reporting The account was closed and charged off in XX/XX/XXXX, yet Experian continues to reflect ongoing missed payments in XXXX, including multiple red delinquency notations. This is inaccurate and misleading. Once an account is charged off and closed, continued monthly delinquency reporting is inappropriate and potentially violates FCRA 1681s-2 ( a ) and the CFPBs guidance on re-aging debt.

3. Missing/Incomplete Creditor Ownership Details The account is marked as Company Sold without listing the name of the entity that acquired the debt. This is an incomplete and unverifiable record, in violation of FCRA and a failure of reasonable procedures to ensure maximum possible accuracy as required under 15 U.S.C. 1681e ( b ).

4. Unverifiable Debt I have not received proper debt validation from XXXX XXXX XXXX or any subsequent debt collector, as required under the FDCPA 809 ( 15 U.S.C. 1692g ). Without documentation proving the validity, amount, and ownership of this debt, its reporting is unlawful.

LEGAL DEMAND : Under my rights provided by the Fair Credit Reporting Act ( FCRA ), I demand that Experian : Immediately conduct a reinvestigation into the accuracy and completeness of this account.

Permanently delete this account from my credit report due to multiple factual errors, unverifiable ownership, and violations of federal law.

Provide me with written confirmation of the outcome of your reinvestigation, including any documents used in the decision-making process.

If this account is verified, I demand that Experian provide a full Method of Verification in compliance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), and that you furnish me with the name, address, and contact information of the party that verified the disputed information.

Please consider this a formal complaint for all reporting that does not comply with federal consumer reporting standards. If this dispute is not resolved within 30 days as required by FCRA 611, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), FTC, and state attorney generals office. 

Sincerely,

Company response to consumer: Closed with explanation