Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX. EXPERIAN DISPUTE LETTER For : XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX SSN ( Last 4 ) : XXXX : XXXX Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Date : [ XX/XX/XXXX ] RE : Formal Dispute Under FCRA 602, 609 ( a ) ( 1 ), 611 ; Request for Method of Verification XXXXXXXX XXXX  ( Acct # XXXX ) To Whom It May Concern : I am formally disputing the accuracy, completeness, and verifiability of the following alleged account information appearing on my Experian credit file : Creditor : XXXXXXXX XXXX Account Number : XXXX Reported Items in Dispute : alleged late payments, alleged collection activity, alleged charge-off indicators, and any associated hard inquiries. 
Dispute Period : XX/XX/XXXX XX/XX/XXXX. 

Upon reviewing my Experian report ( as of XX/XX/XXXX ) the XXXX XXXX account is reported as Open / Never Late. However, the account is simultaneously showing indicators consistent with erroneous derogatory reporting patterns commonly associated with historical coding errors, Metro-2 formatting inconsistencies, and legacy data artifacts. This creates misleading, incomplete, or potentially inaccurate reporting in violation of : FCRA 602 duty to maintain accurate, fair, and non-misleading consumer data FCRA 623 ( a ) ( 1 ) ( A ) furnishers must not report information they know or should know is inaccurate FCRA 611 right to dispute and receive a meaningful reinvestigation XXXX XXXX TransUnion ( XXXX ) CRAs must conduct an independent, reasonable reinvestigation XXXX XXXX XXXX ( XXXX ) verification requires actual documentation, not internal matching Accordingly, I am requesting the following : 1. A full reinvestigation of all data fields for this account for the period Jan XXXX XXXX, including but not limited to : All payment history coding Any suppressed, partial, or non-reported months Any late payment indicators Any historical charge-off, collection, or past-due markers All associated hard inquiries attributed to XXXX XXXX 2. Proof of accuracy per FCRA 609 ( a ) ( 1 ) : Provide supporting documentation, not internal screenshots, including : Original account opening documents Full payment ledger Billing statements for all allegedly negative periods Any records showing delinquency or collection placement Audit trail of Metro-2 reporting codes submitted by XXXX XXXX 3 . Method of Verification ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ) : Identify : The individual ( s ) who verified the information The method and records used Whether automated e-OSCAR was used ( see XXXX XXXX XXXX XXXX, XXXX automated reinvestigation is insufficient ) Required Action : If Experian can not obtain documentary proof from XXXXXXXX XXXX  demonstrating the accuracy and completeness of each disputed field, you are required by FCRA 611 ( a ) to delete or correct all unverifiable, inaccurate, or incomplete information.

Please mail reinvestigation results within the statutory 30 days to the address above. This letter is sent via Certified Mail to ensure compliance tracking. Failure to comply may result in a complaint filed with the CFPB and other appropriate authorities. 

Respectfully, [ XXXX XXXX XXXX ] XXXX. EQUIFAX DISPUTE LETTER For : XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Date : [ XX/XX/XXXX ] RE : Formal Dispute Under FCRA 602, 609, 611, 623 XXXXXXXX XXXX ( Acct # XXXX ) To Whom It May Concern : I am writing to dispute the reporting of the alleged XXXXXXXX XXXX account # XXXX on my Equifax file. Although this account does not currently appear properly on my Equifax report, I have reason to believe the account may be : Misreported Partially suppressed Inaccurately coded Inconsistently updated Omitted or excluded due to furnishers Metro-2 transmission errors Under FCRA 602 and 611, Equifax must ensure all consumer data is accurate, complete, and non-misleading. Missing or partially reported accounts violate these provisions. 

Disputed Items : Any alleged late payments Any collections coding Any charge-off indicators Any associated hard inquiries Any missing, incomplete, or suppressed data between XX/XX/XXXX XX/XX/XXXX Under FCRA 609 ( a ) ( 1 ), I am requesting copies of all documentation Equifax used or received from XXXX XXXX to report ( or fail to report ) this account.

Method of Verification Requested ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ) Provide : Who verified the account How it was verified What documents were reviewed Whether automated systems were used ( see XXXX XXXX XXXX XXXX, XXXX ) If Equifax can not verify the account with documentary evidence ( see XXXX XXXX XXXX, XXXX ), then per FCRA 611, you are required to remove any associated negative or incomplete information immediately. 

Respectfully, [ XXXX XXXX XXXX ] XXXX. TRANSUNION DISPUTE LETTER For : XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Date : [ XX/XX/XXXX ] RE : XXXX XXXX XXXXXXXX XXXX  ( Acct # XXXX ) ; FCRA 602, 609, 611, 623 To Whom It May Concern : I am disputing the XXXXXXXX XXXX account # XXXX and all derogatory information or inquiries associated with it for the period XX/XX/XXXX XX/XX/XXXX. 

This account is either : Not reported, Reported inaccurately, Reported incompletely, or Reported with inconsistent historical data. 

These issues constitute violations of FCRA 602, 623 ( a ) ( 1 ), and case law including XXXX v. TransUnion ( XXXX ). 

I dispute the following : Any alleged late payments Any collection activity Any charge-off coding Any hard inquiries linked to XXXX XXXX Any missing or suppressed history Required Under Law : I request : 1. A full reinvestigation ( FCRA 611 ) 2. All supporting documents ( FCRA 609 ( a ) ( 1 ) ) 3. A complete Method of Verification ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ) Under XXXX XXXX XXXX, TransUnion must obtain actual evidence, not internal automated matching, to verify disputed information. 

If TransUnion can not provide documentary verification for each disputed item, it must be corrected or deleted per FCRA 611 ( a ).

This letter is being sent Certified Mail. Non-compliance will result in a regulatory complaint. 

Respectfully, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation