Consumer complaint received 2025-12-22 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: IL

Complaint narrative:
Experian Information Solutions , Inc . 
XXXX XXXX XXXXXXXX XXXX, TX XXXX To Whom It May Concern, This letter serves as a FORMAL DISPUTE AND DEMAND FOR IMMEDIATE DELETION of the inaccurate and unverifiable account listed below, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Account in Dispute : Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Secured Credit Card Status Reported : Charged-Off Balance Reported : {$160.00} Account Status Updated : XX/XX/XXXX After reviewing my Experian credit report, this account contains multiple material inaccuracies, internal contradictions, and unverifiable data, rendering it non-compliant with federal law and subject to immediate deletion. 

FCRA VIOLATIONS AND REPORTING ERRORS Inaccurate and Contradictory Payment History FCRA 1681e ( b ) Your report reflects 7 potentially negative months, while simultaneously listing ND ( No Data ), charge-offs, and late statuses within the same periods. This internally inconsistent reporting demonstrates a failure to maintain maximum possible accuracy, in direct violation of 1681e ( b ).

Improper Charge-Off Reporting with Ongoing Past-Due Balance FCRA 1681s-2 ( a ) ( 1 ) The account is listed as charged off, yet Experian continues to report a current past-due balance of {$160.00}. Once an account is charged off, it can not lawfully be reported as both charged off and currently past due. This constitutes false and misleading reporting.

Failure to Accurately Report Date of First Delinquency ( DOFD ) FCRA 1681c ( a ) ( 4 ) - ( 5 ) The reported timeline, charge-off status, and payment history do not clearly or consistently identify the true Date of First Delinquency, raising serious concerns about illegal re-aging.

Unverifiable Information FCRA 1681i ( a ) ( 1 ) ( A ) Given the contradictory data, Experian can not reasonably verify the accuracy of this account. If the furnisher can not provide competent documentary evidence ( original contract, complete payment history, and charge-off accounting ), the account must be deleted.

Failure to Conduct a Reasonable Investigation FCRA 1681i ( a ) ( 6 ) Any reinsertion or continuation of this tradeline without strict verification violates Experians obligation to conduct a reasonable reinvestigation and provide the method of verification upon request.

DEMAND FOR RELIEF Accordingly, I hereby demand the following : Immediate deletion of the XXXX XXXX XXXX XXXX XXXX  account from my Experian credit file. 

Written confirmation of deletion. 

If Experian refuses deletion, I demand full disclosure of the method of verification, including the name, address, and documentation relied upon, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

Failure to comply will leave me no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and pursuing legal remedies for willful and negligent noncompliance under FCRA 1681n and 1681o.

This letter is not a request. It is a lawful demand for compliance with federal credit reporting law.

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation