Consumer complaint received 2025-02-13 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Experian XXXX Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Final Notice Failure to Investigate & Demand for Account Deletion Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to demand the immediate deletion of an account from my credit report due to Experians failure to properly investigate multiple disputes and its continued reporting of false, misleading, and inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ). 

Despite my repeated disputes, Experian has failed to correct the following inaccuracies, which remain on my report : XXXX late payment inaccurately reported XXXX times ( which is factually impossible ). 
Repossession falsely reported XXXX times. 
Incorrect balance owed, which has not been corrected due to Experians failure to reinvestigate. 

Because Experian has failed in its legal obligation to conduct a reasonable investigation, I now demand that this entire account be permanently deleted from my credit report. 

Experians Violations of the Fair Credit Reporting Act ( FCRA ) Under the FCRA ( 15 U.S.C. 1681i ), Experian is required to : XXXX. Conduct a reasonable reinvestigation of any disputed account within XXXX days ( or XXXX days if additional information is provided ). 
XXXX. Delete or correct inaccurate, incomplete, or unverifiable information ( 15 U.S.C. 1681i ( a ) ( 5 ) ). 
XXXX. Ensure maximum possible accuracy in credit reporting ( 15 U.S.C. 1681e ( b ) ). 
XXXX. Prevent the continued reporting of inaccurate information after it has been disputed ( 15 U.S.C. 1681s-2 ( b ) ).

Experians continued failure to investigate properly and its reckless reporting of false late payments, repossessions, and an incorrect balance amount to willful noncompliance with federal law. 

Harm Caused by Experians Negligence Due to these serious violations, I have suffered significant financial and reputational harm, including but not limited to : Denial of credit and financial opportunities. 
Higher interest rates due to artificially lowered credit scores. 
Emotional distress and reputational damage. 

Immediate Demand for Account Deletion Because Experian has failed to comply with federal law, I demand that : XXXX. Experian permanently delete this account from my credit report. 
XXXX. Provide me with an updated copy of my credit report reflecting this deletion. 
XXXX. Provide a written response confirming the accounts deletion within 15 days of receiving this letter. 

Legal Consequences for Noncompliance If Experian fails to delete this account, I will immediately file a lawsuit under the FCRA ( 15 U.S.C. 1681n, 1681o ), seeking : Actual damages for financial harm caused by Experians reckless reporting. 
Statutory damages of up to {$1000.00} per violation. 
Punitive damages for willful noncompliance. 
Attorneys fees and court costs. 

Additionally, I will be filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

This letter serves as final notice before legal action. If Experian does not comply within 15 days, I will proceed with a lawsuit. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation