Consumer complaint received 2025-09-15 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: MA

Complaint narrative:
Re : Formal Rebuttal of Dispute Results Report # XXXX To Whom It May Concern, I am writing in response to the recent dispute results dated XX/XX/year>, regarding my Experian consumer credit file. This letter serves as a formal rebuttal under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1. Disputed Accounts I dispute the accuracy, ownership, and reporting of all accounts listed in my credit file, including but not limited to : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are being reported inaccurately. I do not acknowledge ownership, liability, or balances as reported. Further, late payment notations are disputed as inaccurate, unverifiable, and misleading. Under FCRA 1681i ( a ), Experian is required to delete unverifiable and inaccurate information.

2. Name Variations Remove the following inaccurate and unauthorized name identifiers from my credit file immediately : - XXXX XXXX XXXX ( ID : XXXX ) - XXXX XXXX ( ID : XXXX ) - XXXX XXXX ( ID : XXXX ) Only my correct legal name should remain. 
XXXX. Address Variations Remove the following inaccurate and unauthorized addresses from my file : - XXXX XXXX XXXX XXXX # XXXX, XXXX, MA XXXX ( ID : XXXX ) - XXXX XXXX XXXX, XXXX XXXX, MA XXXX ( ID : XXXX ) The only correct address is : XXXX XXXX XXXX, XXXX, MA XXXX. 
4. Failure to Conduct Reasonable Reinvestigation Your dispute results indicate that Experian has merely verified and updated information without providing any actual documentation proving ownership, liability, or accuracy. This constitutes a failure to conduct a reasonable reinvestigation as required by FCRA 1681i ( a ) ( 1 ) ( A ).

Experian can not continue reporting information from furnishers without actual proof of ownership, signed contracts, or billing statements directly tied to me. Verification without documentation is insufficient under federal law.

5. Demand for Deletion I hereby demand the immediate deletion of all disputed accounts, names, addresses, and late payment notations. Continuing to report inaccurate or unverifiable information after notice of dispute is a willful violation of the FCRA.

6. Demand for Compensation Each failure to maintain maximum possible accuracy under FCRA 1681e ( b ), each failure to properly reinvestigate under FCRA 1681i, and each continued furnishing of inaccurate data constitutes a separate violation. I am formally putting Experian on notice that I will seek statutory damages of up to {$1000.00} per occurrence, in addition to actual damages, attorneys fees, and costs, should compliance not be achieved within 15 days of receipt of this letter. 
Conclusion This rebuttal serves as a final notice before escalation. I expect a full deletion of all inaccurate data from my file and written confirmation within 15 days. Should Experian fail to comply, I am prepared to pursue remedies through the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and civil litigation.

Company response to consumer: Closed with non-monetary relief