Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Subject : Formal Dispute Demand for Verification and Correction of Credit Reporting To : Equifax / CFPB Review Date : Tuesday, XX/XX/year> From : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MI XXXX Phone : XXXX Email : XXXX SSN : XXXX Re : CFPB Complaint Response Request for Method of Verification and Correction of Credit Report I am submitting this as a formal dispute regarding multiple accounts reported on my Equifax credit file, including those referenced in CFPB Case # [ Insert Case Number ]. Equifax reported these accounts as verified or accurate, but I assert that the verification was insufficient and may violate the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) ( 7 ) and 623 ( a ) ( 8 ). 

The disputed accounts are : 1. XXXX XXXX  Disputed items : Closed date, scheduled payment, additional information. 
Reason for dispute : Equifax confirmed the account belongs to me but provided no documentation of the verification method. I request : Copy of the original contract or application with my signature.

Full account statements and payment history. 
Documentation of the verification method used by Equifax. 



2. XXXX XXXX XXXX Disputed items : Scheduled payment, additional information. 
Reason for dispute : Reporting may be inaccurate or incomplete. I request : Original creditor information.

Complete account history and documentation of the verification process. 
Proof of ownership of the debt by XXXX XXXX XXXX at the time of reporting. 



3. XXXX XXXX XXXX ( two accounts ) Disputed items : Additional information fields, possible duplicate reporting. 
Reason for dispute : Equifaxs verification did not independently confirm accuracy. I request : Copy of the original contracts. 
Complete payment histories. 
Documentation demonstrating proper verification for each account. 



4. XXXX XXXX XXXX Disputed items : Scheduled payment, actual payment, additional information. 
Reason for dispute : Verification appears insufficient ; accuracy of balances and payment history is unclear. I request : Proof of debt ownership at the time of reporting. 
Complete payment history. 
Documentation of verification method used by Equifax. 



Legal Basis : Under the FCRA : 611 ( a ) ( 7 ) requires that credit reporting agencies provide a description of the procedure used to determine the accuracy of disputed information. 
623 ( a ) ( 8 ) requires furnishers to provide complete and accurate information and respond properly to disputes. 
Reporting unverifiable, incomplete, or inaccurate information violates the FCRA and may subject the furnishers and Equifax to legal consequences. 



Demand : I request that Equifax : 1. Provide full documentation of the verification procedures used for each account.

2. Provide copies of all evidence submitted by furnishers in support of their reporting.

3. Correct or remove any information that can not be fully verified.

4. Confirm in writing that these actions have been completed. 

I am submitting this dispute through the CFPB portal to ensure oversight. I expect a prompt, thorough, and legally compliant response. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation