Consumer complaint received 2025-05-20 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: WA

Complaint narrative:
This letter follows up on my initial dispute concerning inaccurate and unverifiable items in my credit report. Based on a comprehensive comparison of your reporting before and after the dispute, as well as a legal review of your responsibilities under the Fair Credit Reporting Act ( FCRA ), I must conclude that Experian has failed to meet its legal obligations. 
Under 15 U.S.C. 1681i ( a ), credit reporting agencies must conduct a reasonable reinvestigation of disputed items and delete or correct information that can not be verified. 15 U.S.C. 1681e ( b ) requires Experian to ensure information is reported with the maximum possible accuracy. You are also obligated under 1681i ( a ) ( 5 ) to delete any information that remains unverifiable after your 30-day investigation period.

Below is a detailed account-by-account summary showing : What was reported before the dispute What was reported after the dispute Why the item is inaccurate, incomplete, or unverifiable The specific FCRA section violated The corrective action required XXXX. XXXX XXXX XXXX XXXX XXXX Before Dispute : Reported as charged off with {$16000.00} past due ; remark said " Creditor can not locate individual '' After Dispute : Same charge-off and balance ; no corrections ; remark remains Why It's Inaccurate : This remark implies a skip trace issue, yet you continue to report the debt as verified. There is no proof the debt is mine and no contract or payment history to confirm it. Additionally, " can not locate '' contradicts the ability to verify. 
FCRA Violations : 1681e ( b ) : Continuing to report contradictory info violates the duty to ensure maximum possible accuracy.

1681i ( a ) ( 1 ) ( A ) : Failure to properly reinvestigate despite dispute.

1681i ( a ) ( 5 ) : No deletion despite unverifiable status.

Action Demanded : Delete this account immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX Before Dispute : {$19000.00} past due ; last updated XX/XX/XXXX After Dispute : Same balance and status ; still not updated since XX/XX/XXXX Why It's Inaccurate : The account has not been updated for over a year, suggesting it is stale and unverifiable. No contract, statements, or payment details were provided in response to my dispute. 
FCRA Violations : 1681e ( b ) : Stale, outdated reporting fails accuracy requirement.

1681i ( a ) ( 5 ) : Continued reporting without verifiable updates.

Action Demanded : Remove this account for failure to verify and update. 

XXXX. XXXX XXXX XXXX CREDIT CARD Before Dispute : {$5600.00} charge-off balance ; {$640.00} still marked as past due despite full charge-off After Dispute : Same figures reported Why It's Inaccurate : Balance exceeds credit limit ( {$2500.00} ), and it is mathematically inconsistent to charge off an account but still report part of it as currently past due. 
FCRA Violations : 1681e ( b ) : Internal contradictions make this inaccurate.

1681i ( a ) ( 1 ) ( A ) : Failure to reinvestigate discrepancy.

1681i ( a ) ( 5 ) : No deletion despite inaccurate status.

Action Demanded : Correct all inconsistencies or delete the account. 

XXXX. XXXX XXXX ( XXXX XXXX CARD ) Before Dispute : {$540.00} charged off ; previously disputed but unresolved After Dispute : Still reporting same balance and status Why It's Inaccurate : No updated documentation provided; same outcome as previous dispute. The creditor failed to supply a valid contract or breakdown. 
FCRA Violations : 1681i ( a ) ( 1 ) : Failure to reinvestigate adequately.

1681i ( a ) ( 5 ) : Continued reporting of unverifiable debt.

Action Demanded : Delete for failure to provide new verification.

5. TELECOMMUNICATIONS COLLECTION WIRELESS PROVIDER Before Dispute : {$2600.00} balance ; dated XXXX XXXX After Dispute : Still reporting same collection amount Why It's Inaccurate : No contract or billing records provided. You can not continue reporting a collection without verifying its origin and amount. 
FCRA Violations : 1681i ( a ) ( 5 ) : Should have been removed due to unverifiability.

1681e ( b ) : No proof the debt belongs to me.

Action Demanded : Immediate deletion. 

XXXX. UNIVERSITY XXXX XXXX Before Dispute : {$23000.00} collection ; marked as unpaid institutional debt After Dispute : Still present ; amount increased to {$23000.00} Why It's Inaccurate : No explanation provided of what this debt is. No loan contract, service detail, or repayment history was submitted to prove accuracy. 
FCRA Violations : 1681e ( b ) : Incomplete and inaccurate representation of a vague debt.

1681i ( a ) ( 5 ) : Failure to verify.

Action Demanded : Delete or fully document and prove origin and accuracy. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Before Dispute : XXXX x XXXX lates from XXXX ; account closed XX/XX/XXXX After Dispute : Lates remain unchanged Why It's Inaccurate : Repeatedly disputed delinquencies remain with no validation. These are aged negative marks with no backup. 
FCRA Violations : 1681i ( a ) ( 1 ) : Failure to investigate accuracy of prior late notations 1681i ( a ) ( 5 ) : No deletion of unverified marks Action Demanded : Remove delinquency notations or provide direct proof.

Company response to consumer: Closed with non-monetary relief