Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
. I am writing to express my unequivocal dissatisfaction with the outcome of your dispute process and to demand immediate reinvestigation in accordance with federal law. 

Inaccurate Reporting XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) Equifax has stated that the above accounts were verified as accurate. That is incorrect and misleading. I am in possession of verifiable documentation, including bank statements and payment confirmations, proving that : I was never delinquent on any payment to XXXX XXXX XXXX. 
I paid XXXX ( XXXX XXXX ) on time and in accordance with the agreed-upon terms. 

Violations of the Fair Credit Reporting Act ( FCRA ) Equifaxs failure to correct the inaccurate information constitutes multiple potential violations of the FCRA ( 15 U.S.C. 1681 et seq. ), including but not limited to : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Upon receiving notice of a dispute, a credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

15 U.S.C. 1681i ( a ) ( 2 ) : Equifax must forward all relevant information regarding the dispute to the furnisher of the information.

15 U.S.C. 1681i ( a ) ( 4 ) : Equifax must review and consider all relevant information submitted by the consumer.

15 U.S.C. 1681i ( a ) ( 5 ) : If the information is found to be inaccurate or incomplete, Equifax must promptly delete or modify that item.

15 U.S.C. 1681e ( b ) : Equifax has an obligation to maintain reasonable procedures to ensure the maximum possible accuracy of the information it reports. 

Equifaxs reliance solely on the response from the furnisher without independently verifying the documentation I submittedor failing to request it if I was not given the opportunityis not only negligent but legally insufficient under the FCRA. 

Demand for Reinvestigation and Documentation I hereby demand the following : 1. A full and lawful reinvestigation of the disputed tradelines.

2. A written explanation of the procedures used in verifying the disputed information, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

3. A detailed account of what evidence the furnishers provided to verify the accounts.

4. Immediate instructions on how I can submit my payment documentation securely to supplement the dispute. 

If Equifax continues to report this inaccurate information after being presented with clear evidence to the contrary, I will consider all legal remedies available to me, including filing a civil suit under 15 U.S.C. 1681n ( willful noncompliance ) and/or 15 U.S.C. 1681o ( negligent noncompliance ), both of which provide for statutory damages, actual damages, punitive damages, attorneys fees, and costs.

Please treat this communication with the urgency it deserves. I expect confirmation of receipt, reinvestigation, and a timely update per FCRA-mandated timeframes.

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