Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX ( FCRA / FDCPA Demand ) XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/XXXX. 2025 Experian XXXX. XXXX XXXX XXXX, TX XXXX Re : Formal Dispute of Inaccurate, Unverifiable, and Outdated Information Demand for Deletion To Whom It May Concern, This letter is a formal dispute under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and, where applicable, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

After reviewing my Experian credit report ( Report Date : XX/XX/year> ), I found multiple inaccurate, unverifiable, outdated, or incomplete entries. Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation. If the furnisher can not provide documented proof from original records, the account must be permanently deleted. Reporting unverifiable or incorrect data is a violation of FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires maximum possible accuracy. 

Disputed Accounts : XXXX XXXXXXXX ( Account # XXXX & XXXX ) Numerous late payments are reported inconsistently across years, with ND ( no data ) and gaps. These are factually incomplete and unverifiable. Delete all derogatory notations. 

XXXX XXXX XXXX XXXX Account # XXXX ) Reports XXXX late payments, but account balance is {$0.00}. This is outdated derogatory reporting and fails FCRA accuracy standards. 

XXXX XXXX Bank XXXX ( Account # XXXX ) XXXX late payments appear without complete reporting history. This is incomplete and unverifiable. 

XXXX XXXX ( Account # XXXX ) Shows a XXXX late in XX/XX/year> while simultaneously showing current status. This is contradictory and unverifiable. 

XXXX XXXX, XXXX XXXX, XXXX XXXX show {$0.00} balances but continue reporting derogatory years later. This is outdated and punitive reporting, in violation of FCRA 605 ( a ), which prohibits re-aging or keeping obsolete negative data. 

XXXX XXXX XXXX XXXX ( Account # XXXX ) Late notations conflict with current status. XXXX is inconsistent and unverifiable. 

XXXX XXXX ( Multiple Closed Accounts : XXXX, XXXX, XXXX, XXXX, XXXX, etc. ) Accounts are closed/paid yet continue to show late payments. This is impermissible continued derogatory reporting under FCRA 623 ( a ) ( 1 ) ( A ).

Legal Demands : Conduct a full reinvestigation of each item listed above.

Provide documented proof from the original creditor ( signed contracts, complete payment histories ). Screenshots or unverifiable electronic data are not sufficient.

If proof can not be provided within 30 days, delete the account ( s ) from my report per FCRA 611 ( a ) ( 5 ) ( A ).

Cease reporting outdated, re-aged, or unverifiable late payments immediately.

Failure to comply constitutes willful noncompliance under FCRA 616 ( 15 U.S.C. 1681n ) and negligent noncompliance under FCRA 617 ( 15 U.S.C. 1681o ), subjecting Experian and data furnishers to civil liability, actual damages, statutory damages, and attorneys fees.

Final Notice : You have 30 days from receiving this letter to correct or delete these accounts and provide me with an updated credit report. If these unverifiable and inaccurate entries remain, I will pursue remedies with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney Generals office. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation