Consumer complaint received 2025-09-24 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: IL

Complaint narrative:
Re : Formal Dispute Under the Fair Credit Reporting Act Immediate Deletion Demanded Consumer : XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Report # XXXX To Whom It XXXX Concern : This letter serves as my formal dispute of inaccurate, incomplete, unverifiable, or outdated items appearing on my Experian credit file. Pursuant to 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation and delete or correct any information that can not be fully verified within 30 days. 
Disputed Accounts : XXXX. XXXX XXXX XXXX ( Auto Loan Account # XXXX ) - Violation : Status shows Petition for XXXX  XXXX Bankruptcy though no supporting public record appears in my file. Reporting a bankruptcy without an actual docket number or verified public record is inaccurate and unverifiable under 15 U.S.C. 1681e ( b ) and 1681i. 
- Demand : Delete this account immediately, as it misrepresents my credit history and can not be substantiated. 
XXXX. XXXX XXXX XXXX ( Charge Card Account # XXXX ) - Violation : Reported as charged off with {$66.00} written off and {$21.00} past due. Payment history reflects inconsistent reporting ( charge off XX/XX/XXXX and XX/XX/XXXX, conflicting delinquency months ). 
This is incomplete, inaccurate, and unverifiable under 15 U.S.C. 1681s-2 ( a ) and 1681e ( b ). 
- Demand : Permanently delete this unverifiable tradeline. 
XXXX. XXXX XXXX XXXX ( Credit Card Account # XXXX ) - Violation : Reported as Paid in settlement / charged off with {$490.00} written off. Account shows conflicting statuses : charge off between XXXX XXXX XXXX but also paid in full for less than full balance. 
This dual-status reporting is misleading, incomplete, and violates accuracy standards under XXXX5 U.S.C. 1681e ( b ). 
- Demand : Delete this tradeline as unverifiable and inaccurate. 
XXXX. XXXX ( Secured Loan Account # XXXX ) - Violation : Listed as Paid/Closed with delinquencies in XXXX. However, this account has been closed since XX/XX/XXXX, and any past-due marks are outdated and incomplete. Continued reporting beyond closure misrepresents the account in violation of 15 U.S.C. 1681c ( a ) ( outdated information ) and 1681e ( b ). 
- Demand : Remove this tradeline permanently. 
Legal Basis : - 15 U.S.C. 1681i : Requires deletion of any item that can not be verified within 30 days.

- 15 U.S.C. 1681e ( b ) : Requires consumer reporting agencies to assure maximum possible accuracy.

- 15 U.S.C. 1681s-2 : Prohibits furnishers from reporting information they know or should know is inaccurate.

- 15 U.S.C. 1681c : Prohibits reporting obsolete or outdated negative information beyond statutory time limits.

What I Demand : 1. Immediate reinvestigation and permanent deletion of each disputed item.

2. Written confirmation of results, including whether each item was deleted or verified, and copies of all documents relied upon in verification.

3. Full compliance within 30 days, or I will escalate by filing complaints with the CFPB, FTC, and Illinois Attorney General, and pursue civil action for statutory damages, attorneys fees, and punitive damages.

Failure to comply will be treated as willful noncompliance under 15 U.S.C. 1681n.

Company response to consumer: Closed with explanation