Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern : This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681 et seq., and the Truth in Lending Act ( TILA ), 15 U.S.C. 1666b, in connection with Experians continued misreporting of a closed and fully paid auto loan in my consumer credit file.

SUMMARY OF ISSUES : Despite the loans closure and final payment on XX/XX/XXXX, Experian has failed to properly reflect the updated balance and account status. You continue to report inaccurate and misleading comments including : Completed investigation of FCRA dispute consumer disagrees Such a notation implies unresolved or disputed debt and constitutes inaccurate and incomplete information under FCRA 1681e ( b ) and 1681i ( a ). The Fair Credit Reporting Act mandates that Experian : Maintain maximum possible accuracy of reported data ; Conduct a reasonable reinvestigation of disputed items ( 1681i ( a ) ( 1 ) ) ; Modify or delete unverifiable or inaccurate information ( 1681i ( a ) ( 5 ) ) ; Refrain from including misleading comments when a dispute has been resolved or lacks verification.

Additionally, 15 U.S.C. 1666b obligates Experian to ensure payments are credited to a consumers account within a reasonable periodno more than four ( 4 ) business days. Your records reflect the account was closed in XX/XX/XXXX, yet the disputed balance and misleading remarks remain more than two years later, in clear violation of federal law.

LEGAL FOUNDATION : Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) held that a credit reporting agency can not rely solely on the furnishers investigation to fulfill its FCRA duties.

The CFPBs 2025 Complaint against Experian ( Case No. XXXX ) alleges that Experian engaged in similar misconductfailing to forward relevant information, failing to correct files after disputes, and maintaining flawed internal procedures, all in violation of FCRA and the Consumer Financial Protection Act ( 12 U.S.C. 5536, 5565 ).

DEMAND FOR RELIEF : You are hereby directed to take the following actions within four ( 4 ) calendar days from the date of this letter : 1. Remove all inaccurate or misleading remarks, including consumer disagrees, from the referenced account ; 2. 3. Update the balance to {$0.00} and clearly indicate the loan as Paid in Full and Closed ; Provide documentation showing all correspondence from the furnisher and any steps taken to verify the dispute ; 4. Permanently delete any unverifiable, inaccurate, or incomplete information in compliance with 15 U.S.C. 1681i ( a ) ( 5 ).

Failure to comply will result in immediate formal complaints filed with the Consumer Financial Protection Bureau, Federal Trade Commission, State Attorney General, and any additional legal remedies available under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

This letter is written in good faith and with full reservation of rights under state and federal law.

Company response to consumer: Closed with explanation