Consumer complaint received 2025-06-11 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: DC

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX Pl XXXX Washington XXXX DC XXXX ( XXXX ) XXXX XXXX XXXX : XX/XX/XXXX SSN ( last XXXX digits ) : XXXX Date : XX/XX/XXXX To Whom It May Concern, This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and a demand for the immediate deletion of multiple inaccurate, unverifiable, and non-compliant accounts from my credit reports with Experian, XXXX XXXX XXXX  These accounts violate both federal law and XXXX XXXX data reporting guidelines, and are materially damaging my consumer profile. 

Fair Credit Reporting Act ( FCRA ) Legal Rights Violated Under the FCRA, I am guaranteed the following protections : 1681e ( b ) Credit bureaus must report information with maximum possible accuracy.

1681i Consumers have the right to dispute inaccurate or unverifiable items and receive a proper reinvestigation.

1681j Right to obtain a free credit report to evaluate accuracy.

1681b Restricts access to credit information to authorized parties.

1681m Consumers must be notified when credit decisions are made based on adverse or misleading information. 

Each account below violates XXXX or more of these legal protections and has not been resolved through prior dispute attempts. 

XXXX XXXX Compliance Violations Each account listed below also fails to meet XXXX XXXX credit reporting standards. Specific violations include : Field XXXX Account Type : Misclassified or conflicting designations ( e.g., Installment vs. XXXX ). 
Field XXXX XXXX XXXX : Incorrect classification of the accounts loan type or structure. 
XXXX XXXX XXXX XXXX XXXX : No code indicating the account is in dispute or has unresolved issues. 
XXXX or XXXX Fields : Open/close dates, balances, payment history, or furnisher names are incomplete or conflicting. 
Duplicate or Fragmented Tradelines : Same account reported under multiple variations without accurate linkage or consolidation. 

These reporting errors make the accounts legally unverifiable and ineligible for continued reporting. 


Disputed Accounts Violations XXXX XXXX. XXXX. of Education / XXXX Opened XX/XX/XXXX Experian and Equifax : XXXX entries per bureau XXXX reports {$660.00}, the other {$2300.00} Official XXXX statement : Balance of {$2900.00} due XX/XX/XXXX Violations : Conflicting balances and duplicate tradelines No master promissory note or original loan documentation provided Unverifiable under FCRA XXXX Inaccurate under XXXX ( b ) XXXX XXXX Violations : Portfolio Type ( Field XXXX ) improperly categorized Account Type ( Field XXXX ) inconsistent between Education and Installment Missing Compliance Code ( Field XXXX ) no indicator of dispute Duplicate balance reporting does not align with current lender records XXXX. XXXX XXXX XXXX Bank Opened XX/XX/XXXX Experian : Secured Card with {$270.00} Equifax : Open Account with {$13.00} TransUnion : Open Account with {$270.00} Violations : Conflicting balances and account types No verification provided Violates FCRA 1681e ( b ) and 1681i Metro 2 Violations : Account Type ( Field XXXX ) mismatched classifications Portfolio Type ( Field XXXX ) inconsistent reporting Balance discrepancies noncompliant across bureaus Furnisher information variations XXXX. XXXX XXXX Account Ending in XXXX Experian : No balance listed XXXX XXXX XXXXXXXX XXXX {$0.00} balance Violations : Incomplete and inconsistent data No payment history or status Violates FCRA XXXX ( b ), XXXX XXXX XXXX Violations : Missing Balance field Missing Account Status and Payment History No update or validation received upon dispute XXXX. Bank XXXX XXXX Opened XX/XX/XXXX Reported as Closed on all bureaus, yet still shows {$1100.00} balance Violations : Misleading reporting of balance on a closed account Inaccurate and unverifiable under FCRA 1681e ( b ) Impacts creditworthiness, violating 1681m Metro 2 Violations : Account Status code contradicts Balance field No indication of collection/charge-off Improper status-to-balance relationship XXXX. Cornerstone XXXX  Only Missing essential data : account type, balance, dates, and status Appears on XXXX  only Violations : Can not be verified under FCRA 1681i Inaccurate due to missing data 1681e ( b ) Metro 2 Violations : All critical fields missing : Account Type, Status, Balance, Open Date No dispute code ( Field XXXX ) or metadata No creditor or furnisher identification Requested Action I formally request : Permanent deletion of all XXXX accounts listed above from Experian, XXXX, and XXXX  Written confirmation of the results of this dispute and the legal basis for any continued reporting Full resolution within XXXX calendar days per FCRA 1681i Failure to respond or resolve this dispute will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Better Business Bureau ( BBB ), and the Office of the State Attorney General. 


Attached Documentation Nelnet billing statement ( dated XX/XX/XXXX, showing {$2900.00} balance ) Credit report screenshots from Experian and XXXX  ( showing duplicate entries and discrepancies ) Government-issued photo ID Proof of current address Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief