Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
Date : XX/XX/XXXX Complainant : XXXX XXXX ( XXXX : XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX Mailing Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX CC : Experian Information Solutions , Inc . 
XXXX XXXXXXXX XXXX XXXX, TX XXXX Equifax Equifax XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX Transunion TransUnion XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. 

Subject : CFPB Complaint Against Experian, Transunion and Equifax THIRD DEMAND FOR HUMAN VERIFICATION ( No EOSCAR ) I am filing a formal complaint with the CFPB against Experian Information Solutions , Inc. ( Experian ) and Teansunion and Equifax for inaccurate and contradictory reporting on my Experian, Transunion and Equifax credit report relating to the tradeline XXXX  ( Acct No XXXX XXXX ). This is my third demand for human verification and a manual reinvestigation. Previous disputes were processed via automated EOSCAR responses contrary to my explicit requests. 
Key Facts from ExperianOwn Reporting Account Type : Credit Card Opened : XXXX XXXX, XXXX Last Payment : XX/XX/XXXX Status : Paid, Closed. {$1000.00} written off Status Updated : XX/XX/XXXX Comments : Purchased by another lender XXXX Grid : Shows new red-marked delinquencies after the XX/XX/XXXX closure ( XXXX ), and Data Unavailable in XX/XX/XXXX. 
Type of Error What Experian Shows Why Its Wrong / FCRA Re-aged / Post-Closure Late Marks Red delinquencies XXXX even though account shows Paid & Closed XX/XX/XXXX. Closed accounts can not accrue new late payments. Violates Improper Reinsertion/ Timing Status updated in XX/XX/XXXX, a year after closure. No certification/notice for reinsertion. Violates 611 ( a ) ( 5 ) ( B ). 
Contradictory Status Paid, Closed. {$1000.00} written off AND Purchased by another lender. If paid/closed, it can not be resold. Failure to correct/update v Unverifiable/Incomplete Data Data Unavailable for XX/XX/XXXX XXXX the grid. CRA must maintain maximum possible accuracy. Violates 6 Applicable Law & Duties 607 ( b ) ( CRA accuracy ) : Experian must follow reasonable procedures to assure maximum possible accuracy. 
611 ( a ) ( Reinvestigation ) : Must conduct a reasonable reinvestigation ; 611 ( a ) ( 5 ) ( B ) bans reinsertion without certification and notice.

623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 623 ( a ) ( 5 ) ( Furnisher duties ) : Prohibit furnishing inaccurate data, require prompt correction, and mandate an accurate DOFD. 
Third Demand for Human Verification ( No EOSCAR ) I require a manual, human-led reinvestigation and production of verifiable documentation for this tradeline, including : 1 ) A copy of the original signed contract or account application linking me to the debt ; 2 ) Complete account payment history and the true Date of First Delinquency ( DOFD ) ; 3 ) Chain of title / bill ( s ) of sale and warranties showing ownership if the account was sold ; 4 ) The method of verification : date/time of each investigation ; systems used ; and the names and contact information of the human agents who verified the data ; 5 ) Written confirmation that no automated EOSCAR codes will be used to respond to this dispute ; responses must be prepared and signed by a human investigator. 
Remedy Requested Delete the XXXX tradeline entirely, or correct it to reflect Paid, Closed in XX/XX/XXXX with no post-closure delinquencies and remove any contradictory purchased by another lender language. 
Provide written human-signed verification and all documents listed above within 15 days. 
Provide me written notice of your reinvestigation results and any reinsertion certifications, as required by 611 ( a ) ( 5 ) ( B ). 
If Experian can not substantiate the accuracy with admissible documentation, it must promptly delete or correct the tradeline. Failure to comply will support claims for statutory damages of up to {$1000.00} per violation, costs, and attorneys fees. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX

Company response to consumer: Closed with explanation