Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alaska XXXX XXXX Last four of SS # XXXX Date XXXX Transunion XXXX XXXX XXXX. 
XXXX, Il XXXX Subject : Formal Dispute of Inaccurate Information and Notice of Violations Request for Investigation Re : Charge-Offs and Collections Reporting Errors ________________________________________ Dear Experian Dispute Department, I am writing to formally dispute the accuracy and completeness of certain information appearing on my credit report. This letter serves as a formal notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 ( b ), and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) and 1692e, regarding inaccurate charge-offs and/or collection accounts being reported. 
________________________________________ 1. Disputed Accounts Please investigate and verify the following accounts currently being reported as charge-offs or collections : Creditor Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XXXX XXXX Status : [ Charge-Off / Collection ] XXXX XXXXXXXX Account number : XXXX Date opened:XXXX Status late payment over the seven years of reporting must be removed XXXX XXXX Date Opened:XXXX Account : XXXX Past the legal reporting date and must be removed ________________________________________ 2. Legal Basis for Dispute Under 15 U.S.C. 1681i, I have the right to dispute information on my credit report that I believe to be inaccurate or incomplete. You are required to conduct a reasonable reinvestigation within 30 days of receiving this notice. 
Additionally, 15 U.S.C. 1681e ( b ) requires Experian to follow reasonable procedures to assure maximum possible accuracy of the information reported. 
Under 15 U.S.C. 1681s-2 ( b ), once you receive notice of this dispute, the furnisher of the information is required to conduct an investigation, review all relevant information, and report accurate findings back to Experian. Failure to do so constitutes a violation of the FCRA. 
Further, under the FDCPA 15 U.S.C. 1692g ( b ), debt collectors must cease collection and provide proper validation of the alleged debt upon request. Reporting unverified or invalidated debts to Experian constitutes continued collection activity and a violation of this section. 
Moreover, 15 U.S.C. 1692e prohibits false, deceptive, or misleading representations regarding the character, amount, or legal status of any debt. Reporting inaccurate or unverifiable information violates this section of the FDCPA. 
Finally, under 15 U.S.C. 1681i ( a ) ( 7 ), I request that you provide me with a description of the procedure used in your reinvestigation, including the name, address, and telephone number of any furnisher of information contacted. 
________________________________________ 3. Requested Action I hereby demand that Experian:XXXX 1. Delete or correct any information that can not be verified or is inaccurate. 
2. Provide written confirmation of your findings and any changes made to my credit file. 
3. Send me the description of your reinvestigation procedure as required by 1681i ( a ) ( 7 ). 
________________________________________ Please note that failure to comply with the above federal statutes may result in enforcement actions or civil liability under 15 U.S.C. 1681n, 1681o, and 1692k. 
I have enclosed copies of my government-issued ID, proof of address, and a copy of my credit report highlighting the disputed items. 
Thank you for your prompt attention to this matter. I expect your written response within the timeframe allowed by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation