vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this complaint against Transunion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX XXXX & XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Transunion, yet Transunion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Transunion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Transunion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believe is inaccurate. Despite this, Transunions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my XXXX XXXX and ability to obtain favorable credit terms.

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 non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am sending this letter to formally dispute several accounts on my credit file that are being reported inaccurately. These inaccuracies misrepresent my credit history and are harmful to my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable or inaccurate information be corrected. Below is my statement regarding each account. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : US XXXX XXXX  XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/year>

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
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.

Complaint narrative:
On XX/XX/XXXX, I received an email from Blockchain.com stating We couldnt verify your identity. As a result, my Blockchain.com Trading Account was restricted from buying, selling, or withdrawing. At the time of restriction, my account held {$41000.00} USDT, which I am unable to access. 

I have been a verified user since around XXXX, and I have not engaged in any suspicious activity. This sudden restriction has caused severe financial distress. Blockchain.coms own app states that restricted users may contact support to withdraw balances, but despite contacting support ( ticket # XXXX ), I have only been told that my case is under review by a specialized team. No clear instructions, timeline, or specific documents required for verification have been provided to me. 

The email from XX/XX/XXXX confirms that Blockchain.com has failed to verify my identity, but it does not explain why, nor does it provide an opportunity to correct or submit additional documents. As a result, I am completely unable to withdraw my legally held funds. 

Blocking access to my legally held funds without providing clear instructions or timeline is causing significant financial stress and may raise legal/regulatory concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: RI

Complaint narrative:
This account is the result of and identity theft and i request it to get delete because is affecting me negatibly and i can't get any new loans on credit because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : Complaint Regarding Inaccurate and Misleading Credit Reporting Practices Dear CFPB Representative, I am submitting this complaint regarding multiple furnishers and collection agencies that are reporting inaccurate, misleading, and non-compliant information on my TransUnion credit report. 
Summary of Issues : XXXX ( Auto Loan ) : Improperly reports repossession with ongoing delinquency notations, suggesting unlawful re-aging ( FCRA 605 ( a ) ( 4 ) ). 
XXXX XXXX : Continues to update charge-off status monthly years after closure, violating Metro 2 standards for frozen charge-off balances. 
XXXX XXXX XXXX : Improperly reports Past Due amounts on a collection and fails to maintain accurate dispute markings ( FCRA 623 ( a ) ( 3 ) ). 
XXXX XXXX XXXX : Reports collection balances as Past Due, a Metro 2 violation. XXXX has prior enforcement history with CFPB. 
XXXX XXXX XXXX : Reports collection balances with Past Due status, misrepresenting debt obligations. XXXX has been sanctioned by the CFPB before for misleading reporting and debt collection practices. 
Legal References : FCRA 605 ( a ), 623 ( a ) : Accuracy and re-aging provisions.

FDCPA 807 : Prohibits misrepresentation of debt. 
Metro 2 Reporting Standards : Require accurate status coding and prohibit Past Due in collections.

I respectfully request that the CFPB investigate these furnishers for systemic non-compliance and require correction or removal of inaccurate tradelines from my credit report. 
Thank you for your attention to this matter and for safeguarding consumer rights in the credit reporting system. 
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 non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian refuses to remove the Delinquency due to divorce proceedings remark, you can escalate immediately. 




Subject : Complaint Regarding Inaccurate Credit Report Information Experian Your Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN ( last XXXX digits ) : ____ Date of Birth : XXXX XXXX : [ Your contact info ] Company : Experian XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Complaint : I am disputing inaccurate and inappropriate information on my Experian credit report dated XX/XX/XXXX. The report contains the following : XXXX. Divorce-Related Delinquency Remark : Statement : DELINQUENCY DUE TO DIVORCE PROCEEDINGS ( dated XX/XX/XXXX ) This information is inaccurate, misleading, and not permissible under the Fair Credit Reporting Act ( FCRA ). Personal circumstances such as divorce should not appear on a credit report. 
XXXX. Additional Inaccurate Information : Old/incorrect names : 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 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 XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already submitted a dispute to Experian requesting deletion of this inaccurate information, but the company has refused to remove or correct it. 

Requested Action : Immediate deletion of the inaccurate Divorce Delinquency remark Correction/removal of all outdated names, addresses, and employer information Provide me with a corrected copy of my Experian credit report Thank you for investigating this matter and taking action to ensure my credit report is accurate and compliant with the FCRA. 

Sincerely, 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
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that 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 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 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 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 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 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 XXXXXX/XX/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
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This compliant serves as my formal dispute of several inaccurate, unverifiable, or outdated entries currently appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting a complete investigation of the items listed below and their removal within the legally mandated XXXX timeframe. 
Below are the accounts I believe to contain reporting inaccuracies. I respectfully request that a full investigation be conducted to verify and correct any erroneous information. Upon reviewing my credit report, I have identified the following entries that I believe to be incorrectly reported, unverifiable, or misleading : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} 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 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 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 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 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 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 XXXXXX/XX/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
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
This compliant serves as my formal dispute of several inaccurate, unverifiable, or outdated entries currently appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting a complete investigation of the items listed below and their removal within the legally mandated XXXX timeframe. 
Below are the accounts I believe to contain reporting inaccuracies. I respectfully request that a full investigation be conducted to verify and correct any erroneous information. Upon reviewing my credit report, I have identified the following entries that I believe to be incorrectly reported, unverifiable, or misleading : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} 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 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 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 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting a new and distinct dispute against Equifax regarding the XXXX XXXX XXXX XXXX ( Account showing {$1600.00} balance, last reported XX/XX/XXXX, alleged closed XX/XX/XXXX ). 

This account is being reported only on Equifax and not on TransUnion or Experian. It is inaccurate, unverifiable, and materially damaging. I was denied an auto loan refinance, prevented from assisting my son with higher education financing, and I have suffered higher insurance premiums because of this false charge-off reporting. 

The tradeline contains serious errors and violations : Reported as closed on XX/XX/XXXX, while still showing an active balance as of XX/XX/XXXX. 

No highest balance data is provided, creating internal inconsistencies. 

The furnisher has not provided any admissible, verifiable proof that this debt belongs to me. 

This reporting violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) Equifax must ensure maximum possible accuracy. Reporting a closed account with an active balance is contradictory and misleading.

15 U.S.C. 1681i ( a ) When a consumer disputes information, Equifax must conduct a reasonable reinvestigation. If the information can not be verified, it must be deleted.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) - ( B ) Unverifiable information must be deleted, and no reinsertion is permitted without certified verification.

15 U.S.C. 1681n & 1681o Willful or negligent noncompliance exposes Equifax to statutory damages, actual damages, and attorneys fees. 

This is not a duplicate dispute. It is based on new evidence and new harm ( loan denial, education financing blockage, insurance premium increase ). Equifaxs continued reporting is reckless and unlawful. 

I demand that Equifax : Immediately reinvestigate this XXXX XXXX XXXX tradeline with full documentary verification requirements. 

Permanently delete this tradeline unless the furnisher provides certified, legally admissible proof ( signed original agreement, complete chain of assignment, and certified judgment docket if applicable ). 

Provide written confirmation of deletion and assurance that no reinsertion will occur without certified verification under 1681i ( a ) ( 5 ) ( B ). 

XXXX XXXX XXXX XXXX reporting violations, including internal inconsistencies, and ensure this tradeline is not reported in any form unless fully verified. 

Preserve and disclose all investigation materials and furnishers responses for regulatory and civil enforcement purposes. 

Equifaxs inaccurate and unlawful reporting of this account has caused real financial harm. Unless Equifax permanently deletes this tradeline and provides written assurances, I will escalate to CFPB XXXX, FTC, State Attorney General, and pursue civil remedies under the FCRA.

Company response to consumer: Closed with non-monetary relief