Consumer complaint received 2025-08-05 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: NV

Complaint narrative:
This is a formal complaint regarding Experians handling of multiple disputed accountsincluding those furnished by XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXwhich remain inaccurately reported despite my detailed disputes and requests for validation. The attached dispute results from Experian fail to address my core concerns and indicate continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 



Issues and Violations : 1. Unverified Debt and Failure to Identify Original Creditor ( 15 U.S. Code 1681g ) Several collection accounts remain on my Experian reportincluding those from XXXX XXXX and XXXX XXXXwithout identifying the original creditor in the report. I can not verify these debts because the original creditors are not disclosed. Under the FCRA, I have the right to know the source of the information being reported. This was not provided.

2. Charge-Offs Reporting with a Balance ( FCRA Violation ) Multiple accounts are still listed as charged off while simultaneously showing a balance. This is inaccurate, misleading, and creates a double-negative effect. A charge-off indicates that the account was written off as a loss and no longer has a balance due to the original creditor, and yet it continues to report as if I owe moneycreating false implications to future creditors. 

XXXX. Duplicate Reporting from XXXX XXXX  and Third-Party Collectors I have multiple charge-off accounts listed from XXXX XXXX ( e.g. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX do not match the amounts XXXX XXXX and XXXX XXXX are reporting. None of the balances match the original creditors reported high balance, raising serious questions of accuracy and inflation. The FCRA requires accuracy in all consumer reporting. 

XXXX. Failure to Provide Supporting Documentation upon Request ( 15 U.S. Code 1692g ( b ) ) Despite multiple formal disputes, I have not received any contracts, itemized statements, or proof of account ownership or balance from XXXX, XXXX, or XXXX. I received a generic form letter from XXXX stating only that they own the account and mailed a letter, which I never received. That does not satisfy FDCPA requirements under validation or verification of debt. Nor does it satisfy the FCRA standard for reinserting disputed information. 

XXXX. XXXX Accounts and Inaccurate Dates ( FCRA 1681c ) Some collection accounts are reporting the date of purchase by the debt buyer as the default date, rather than the date of first delinquency with the original creditor. This could artificially extend the life of negative accounts and violates the FCRAs 7-year reporting limitation. 

XXXX. Conflicting Reporting Across Bureaus Several of these accounts are now deleted from TransUnion and Experian, yet still remain on Equifax or XXXX versa. This inconsistency demonstrates that the disputes are not being adequately investigated or verified across all bureaus. XXXX has already removed all accounts from Experianimplying they were unverified. 



Resolution Requested : I am demanding the following : 1. Immediate deletion of all unverifiable collection accounts that fail to identify the original creditor or where no documentation has been provided. 
XXXX. Correction or deletion of charge-offs reporting a balance in violation of FCRA. 
XXXX. Audit and deletion of duplicate or inflated collection accounts where original charge-off amounts do not match those reported by the collector. 
XXXX. Written confirmation that these changes have been made. 



Attached : Most recent Experian dispute results Screenshots and evidence of unverified and conflicting entries Previous CFPB complaints and case numbers for reference Final Note : I have been consistent and transparent in my dispute attempts, have provided all necessary documentation, and have made repeated efforts to have these matters resolved through proper channels. The continued failure to verify or correct these entries is obstructive, unlawful, and directly harmful to my credit and financial recovery. Please escalate and resolve this complaint immediately.

Company response to consumer: Closed with non-monetary relief