Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, This letter serves as my eighth formal dispute regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by Equifax. Despite prior notifications, you have repeatedly failed to conduct a reasonable investigation or provide proper verification of the disputed information. 
Your ongoing negligence and lack of response constitute willful non-compliance with federal law, specifically violating FCRA XXXX U.S.C. XXXXi ( a ) ( 1 ) ( A ), which requires a timely and thorough reinvestigation. At this point, your failure to correct or remove clearly inaccurate, outdated, and unverifiable data is not only harming my credit standing but is also actionable under law. 
Disputed Items ( Previously Ignored ) : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX o No proof of valid ownership transfer or consumer notification was ever provided. 
o Violation : FDCPA XXXX U.S.C. XXXXe ( 6 ) Misleading representation of legal status. 
XXXX. XXXX XXXX * * * * o Conflicting Date of Last Activity across bureaus. 
o Balance inaccurately reporting as {$820.00} on a charged-off account. 
o Violation : FCRA XXXX U.S.C. XXXXe ( b ) Failure to maintain accurate reporting. 
XXXX. Incorrect Address : XXXX XXXX XXXX XXXX  XXXX, NY XXXX o This address is not mine and must be removed. 
o Violation : FCRA XXXX U.S.C. XXXX ( a ) ( 2 ) Reporting of false identifying information. 
XXXX. Unauthorized Inquiry : XXXX XXXX o No written or verbal consent was provided. 
o Violation : FCRA XXXX U.S.C. XXXXb Inquiries made without permissible purpose. 
Legal Deadline : 15 Days You are now legally obligated to : Complete a full reinvestigation within 15 days ( not 30 ), due to your continued pattern of neglect and previous unresolved disputes ( FCRA XXXXi ( a ) ( 3 ) ( B ) ). 
Provide complete documentation from the original creditors or furnishers verifying all items. 
Remove any data that can not be independently verified with proper evidence. 
Final Warning Before Legal Escalation Failure to comply within the 15-day window will leave me no choice but to : 1. File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
2. Pursue civil action under FCRA XXXX U.S.C. XXXXn and XXXXo for willful and negligent noncompliance. 
3. Seek monetary damages, attorney fees, and a court order for correction of my credit file. 
This is your last and final notice. I demand a written confirmation listing each deletion or correction made as a result of this dispute. You are bound by federal law to ensure the maximum possible accuracy of consumer credit information. I expect nothing less than full compliance. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation