Consumer complaint received 2025-11-06 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: NY

Complaint narrative:
Complaint for Experian, Trans Union, and EquifaxTo the CFPB : I am submitting this complaint because Experian is knowingly reporting multiple pieces of severely inaccurate and non-compliant information on my credit report, which violates my rights under the Fair Credit Reporting Act ( FCRA ). Prior disputes, which resulted in the erroneous ruling that the disputed items were " verified, '' have failed to resolve these issues. I demand a complete, reasonable reinvestigation and immediate deletion of the items listed below. The persistence of these errors after a prior " verification '' demonstrates a clear failure to comply with FCRA standards. 

I submitted a formal, certified dispute letter to Experian on XX/XX/2025. Any attempt to delay the 30-day statutory reinvestigation period by questioning my identity or alleging third-party involvement will be considered a willful act of non-compliance.

1. Inaccurate and Unverifiable Charged-Off Trade Lines ( FCRA 607 ( b ) Violation ) The following accounts report contradictory information, failing the fundamental standard of maximum possible accuracy ( FCRA 607 ( b ) ). The fact that these accounts are listed as " Charged Off '' ( a write-off of debt by the creditor ) while simultaneously reporting an outstanding balance is irrefutable proof of inaccuracy. A Charged Off account, by definition, can not accurately reflect a current balance owed to the original creditor, making the trade line as a whole unverifiable in its current state. 

Accounts Reporting Contradictory Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand for True Verification of Payment History ( FCRA 607 ( b ) Violation ) I am disputing the entire history of late payments associated with the trade lines above. Experian 's previous claim of " verification '' based solely on computer codes or the Metro 2 reporting format is insufficient and does not satisfy the requirements of FCRA XXXX ( b ). 

I demand Experian conduct a full, reasonable reinvestigation by requiring the furnisher to provide true source documentssuch as signed contracts, payment ledgers, or monthly statementsthat substantiate every single alleged late payment. A mere restatement of a computer code is not acceptable as proof of maximum possible accuracy. 

XXXX. Unauthorized and Improper Hard Inquiries ( FCRA 604 ( a ) Violation ) I demand the deletion of all unauthorized hard inquiries currently on my report, specifically those from charged-off creditors. These entities no longer have a Permissible Purpose to access my file as the account relationship is terminated, violating FCRA 15 U.S.C. 1681b ( a ). 

Inquiries to be Deleted : All inquiries except XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Specific Violating Entities ( Charged Off Accounts ) : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX. 

XXXX. Inaccurate and Obsolete Personal Information ( FCRA XXXX ( a ) ( XXXX ) Violation ) Experian continues to report an obsolete and inaccurate address despite repeated prior notifications, in violation of FCRA XXXX ( a ) ( XXXX ). 

Address to be Deleted : XXXX XXXX XXXX XXXX This is not my current address and must be removed ). 

Only Correct Address to Remain : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. 

CONCLUSION : I have repeatedly disputed this erroneous information, yet it continues to appear. This persistent, wrongful reporting has caused me severe financial injury and emotional distress. I demand the immediate deletion of all unverifiable and inaccurate items listed above.

Company response to consumer: Closed with explanation