Consumer complaint received 2025-11-04 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:
Via Certified Mail From : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX To : * * XXXX XXXX XXXX XXXX : * * Formal Request for Validation and Furnisher Clarification * * Account : * * # XXXX Reported Mortgage Account Experian File * * -- - Dear XXXX XXXX XXXX, I am writing to formally * * request complete validation and clarification * * regarding the above-referenced account being reported to the credit reporting agencies under your companys name. This request is made pursuant to my rights under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681s-2 ( a ) ( b ) * *, and the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) * *, where applicable. 

According to my XX/XX/XXXX credit report from * * Experian * *, your company is furnishing data indicating that I have a * * joint mortgage account * * with the following details : * Account Type : Mortgage * Responsibility : Joint * Date Opened : XX/XX/XXXX * Balance : {$4900.00} * Past Due : {$2300.00} as of XX/XX/XXXX * XXXX late-payment entries reported This information is * * inaccurate and inconsistent * * with my records. I have never entered into a mortgage or joint credit agreement with XXXX XXXX XXXX, nor have I received documentation establishing such an obligation. In addition, this account is * * not present * * on my Equifax or TransUnion credit files, indicating an inconsistency in how the data is being furnished. 

To verify the accuracy and completeness of your reporting, please provide the following : 1. * * Copy of any original agreement or contract * * bearing my * * wet-ink signature * *, establishing my obligation to XXXX XXXX  XXXX XXXX XXXX. * * Detailed payment ledger or account history * * from the date opened ( XX/XX/XXXX ) through the current date, including all payments, due dates, and delinquency entries ; 3. * * Explanation of account classification * *, including why the account is coded as a * Mortgage * and * Joint * responsibility ; 4. * * Name and address of the original creditor * * or entity extending the alleged credit, if different from XXXX XXXX XXXX ; 5. * * Documentation of any transfer, sale, or assignment of the account * *, showing full * * chain of title * * and authorization to furnish data to Experian ; 6. A copy of your * * FCRA reinvestigation findings * * or internal verification notes used to continue reporting this account following my previous dispute. 
Please note that * * continuing to furnish unverifiable or incomplete information * * may constitute willful non-compliance under * * FCRA 1681n and 1681o * *, exposing your company to statutory and actual damages. Courts have held that furnishers and credit reporters are liable for inaccurate reporting when they fail to reasonably investigate after a consumer dispute see * * Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) * * ; * * Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) * * ; and * * Dalton v. Capital Associated Indus., Inc. , 257 F.3d 409 ( 4th Cir. 2001 ) * *.

I respectfully request that this matter be * * fully validated within 30 days * * of receipt of this letter. If you can not provide the requested documentation, please instruct Experian to * * immediately delete * * this account from my credit file and issue written confirmation of removal. 

All communications regarding this matter must be in * * writing only * * and mailed to my address listed above. 

Sincerely, * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : * * Experian Information Solutions , Inc. Attn : Consumer Relations Department

Company response to consumer: Closed with explanation