Consumer complaint received 2025-07-12 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Formal CFPB Complaint Against Experian and Equifax Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Subject : Amended Complaint Against Experian and Equifax for Violations of TILA and FCRA To Whom It May Concern : I am submitting this revised complaint to formally challenge Experian and Equifax for continuing to report inaccurate, incomplete, and unverified derogatory account information in violation of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ). 

Under 15 U.S.C. 1666b, creditors must provide accurate billing statements and allow 21 days before declaring any payment late. Reporting late payments or charge-offs without documented proof of the billing cycle, account terms, or validation of a delinquency is not only misleading but also unlawful. Additionally, under 15 U.S.C. 1681i, credit reporting agencies must perform proper reinvestigations and delete or correct unverifiable or inaccurate items. 
Negative Accounts with Inaccurate or Disputable Data : XXXX. XXXX XXXX ( XXXX XXXXXXXX ) Charge-off : {$2100.00}. False delinquency timeline and no billing records. 
XXXX. XXXX XXXX ( XXXX XXXXXXXX ) Charge-off : {$6300.00}. Stagnant reporting since XX/XX/XXXX. 
XXXX. XXXX XXXX ( XXXX XXXXXXXX ) Charge-off : {$280.00}. Inconsistent balance and last payment data. 
XXXX. XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX XXXXXXXX ) Charge-off : {$7200.00}. Continuous post-charge-off updates without activity. 
XXXX. XXXX. of XXXX XXXX ( XXXX XXXXXXXX ) Charge-off : {$1300.00}. No new data since XXXX. 
XXXX. XXXX. of XXXX XXXX ( XXXX XXXXXXXX ) Charge-off : {$9200.00}. Improper timeline and unresolved delinquencies. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) Charge-off : {$190.00}. Invalidated delinquency escalation. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) Charge-off : {$800.00}. Conflicting closure and payment history. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$2800.00}. No proof of ownership or assignment. 
Legal Grounds for This Complaint : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information. 
15 U.S.C. 1681e ( b ) Failing to ensure maximum accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) Failure to reinvestigate properly.

15 U.S.C. 1666 ( b ) - ( c ) Reporting invalid late payments without proper billing cycles. 
15 U.S.C. 1681n/o Entitling me to damages for willful or negligent violations.

Requested Relief : 1. Deletion or correction of each account unless verified with original contracts, billing statements, and payment records.

2. Immediate removal of all inaccurate late payments and charge-offs that lack lawful validation.

3. Written confirmation of each reinvestigation conducted and the method of verification used. 

Please consider this a formal demand for enforcement action and correction under federal law. I am available to provide further documentation if needed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief