Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA, XXXX SSN : XXXX XXXX : XXXX Date : XXXX To : Experian Dispute Department P.O XXXX XXXX XXXX XXXX, TX XXXX SUBJECT : FORMAL DISPUTE AND REQUEST FOR DELETION OF INACCURATE AND UNVERIFIED ITEMS UNDER FEDERAL LAW This letter serves as a formal dispute and legal notice under the Fair Credit Reporting Act ( FCRA ) regarding multiple inaccurate, misleading, or improperly reinserted tradelines on my Experian credit report. 
You are required by law to investigate, verify, and delete or correct all items found to be inaccurate, unverifiable, misleading, or reported in violation of consumer protection statutes. 


ITEM XXXX : Late Student Loan Payments XXXX. XXXX  XXXX / XXXX Accounts : XXXX XXXX ( See attached screenshots for full list ) Legal Violation : These accounts are currently in Voluntary Forbearance, confirmed by XXXX and reflected with {$0.00} due and no delinquency in repayment status. 
Reporting these accounts as late while under forbearance constitutes material misrepresentation of account status and violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishing inaccurate or misleading information.

Further, under FCRA 602 ( a ) ( 1 ), all credit data must be reported fairly, accurately, and equitably not in a way that penalizes borrowers acting in good faith.

Request : Remove or suppress all late payments reported prior to forbearance start. These were caused by lack of federal notice, no malicious intent, and I took immediate action once aware of repayment resumption. I am a 100 % XXXX  XXXX XXXX, and this should be treated with appropriate sensitivity. 


ITEM XXXX : XXXX XXXX XXXX XXXX Reinserted Charge-Off Account : XXXX Legal Violation : This account was previously removed after dispute. Its reinsertion violates FCRA 611 ( a ) ( 5 ) ( B ), which requires : A consumer reporting agency shall provide notice to the consumer within XXXX business days if any previously deleted information is reinserted into a consumers file. 
I received no notice. Re-reporting this item without my consent, verification, or written notice is a direct FCRA violation. 
Request : Immediately and permanently delete this account. Provide verification documents if you believe this account is accurate. 


ITEM XXXX : XXXX XXXX. Fraudulent or Unverified Charge-Offs Accounts : XXXX ( Opened XX/XX/XXXX ) XXXX ( Opened XX/XX/XXXX ) Legal Violation : I have disputed these multiple times for over 12 months, and no creditor has provided : A signed contract Original billing statements Or written validation of debt under FCRA 609 ( a ) ( 1 ) and 15 USC 1681g Under FCRA 611 ( a ) ( 1 ) ( A ), credit bureaus must : Conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
XXXX has failed to validate, and yet the accounts remain on file as derogatory charge-offs. 
Request : Immediately delete both Affirm tradelines for failure to verify. I reserve my right to pursue damages under FCRA 616 and 617 should this harm continue.

Enclosed Documentation : AidVantage Screenshot showing current forbearance Experian screenshot showing disputed tradelines Optional : XXXX  XXXX Confirmation Copy of Government-Issued ID + utility bill ( if needed ) LEGAL NOTICE : If these items are not resolved within 30 days per FCRA 611, and you continue reporting unverifiable or inaccurate data, I will escalate this to the Consumer Financial Protection Bureau ( CFPB ), VA Legal Services , and if necessary, proceed with litigation for : Negligent Noncompliance : FCRA 616 Willful Noncompliance : FCRA 617 Statutory Damages of up to {$1000.00} per violation I expect a formal response in writing confirming either deletion or reinvestigation results, and I request copies of all verification documents received from data furnishers. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief