Consumer complaint received 2025-09-08 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:
I am formally demanding a comprehensive reinvestigation and immediate removal of the negative, outdated, and unverified entries on my Experian credit report. My review, supported by recent correspondence and verified documentary evidence, shows repeated violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other federal and state consumer protection statutes. 

Despite previous submissions requesting validation and " method of verification '' for each disputed tradeline, several entries remain either : Unchanged and marked derogatory WITHOUT PROPER VERIFICATION Inconsistent or missing across the bureaus ( TransUnion, Equifax ), which constitutes unfair and deceptive reporting Reported without proper consumer authorization or required documentation Contradictory or ambiguous in status, causing material harm to my creditworthiness Summary of the Accounts and Reporting Violations : 1. Credit Card & Line Accounts Account Experian Status Other Bureaus Problems & Violations XXXX XXXXXXXX {$480.00}, Charge-off Reporting on TU/EQ No method of verification supplied, no signed contract, inaccuracies/conflicting updates ( FCRA 611, 607 ) XXXX XXXX  {$2600.00}, Charge-off TU/EQ Vague verified response, no signed contract or validation, not properly documented ( FCRA 611, FDCPA 1692g ( b ) ) XXXX XXXX ( XXXX ) {$1500.00} & {$2500.00}, Charge-off NOT present on TU/EQ Not my account, no contract, not validated, duplicate/fragmented reporting, NOT on other bureaus ( unfairly harming Experian alone ) XXXX XXXXXXXX {$0.00}, Closed/Paid was CO TU only ( inconsistent ) Negative impact w/ no evidence , contradiction ( " paid/charge-off/sold '' ), errors in status ( FCRA 607 ( b ) ) XXXX  {$0.00}, Paid/Sold/CO TU only ( not EQ ) Negative linger despite being sold/paid, status misleading, not properly validated ( FCRA 607, 611 ) XXXXXXXX XXXX See Note Not listed other bureaus If negative, must be removed for same reasons as above XXXX XXXX XXXX XXXX If negative Not listed If negative or inaccurate, must be deleted/validated 2. Student Loans DEPT OF ED/XXXX : {$3200.00} and {$1800.00} Both reported with late payments No method of verification or wet signature provided No evidence of legal standing, ongoing late status is inaccurate/damaging ( FCRA 611, FDCPA 1692g ( b ), TILA ) Conflicting appearance across bureaus ; in some reports, not present 3. Personal Loans Account Status in Experian TU/EQ Status Issues/Vioiations XXXX XXXX {$7800.00} , derog/CO Only partial else Charge-off/collection status , unverified, no signed original paperwork, inconsistent reportinXXXX XXXX XXXX  {$0.00}, listed Reported on EQ/TU OK if positive ; if negative or derog, must be deleted XXXX XXXX XXXX  Negative/collection Not on other bureaus No validation whatsoever, must be deleted under FCRA/FDCPA 4. Additional/Closed Accounts A total of 8 closed accounts are listed. If these accounts are derogatory, charge-off, or negative and NO signed contract/validation has been provided, they must be deleted immediately.

Any negative or late payment entry without verified documentation or confirmation from the original creditor is a violation.

Late payments : No written procedures or notification proof for " late '' reporting ; not validated ( FCRA 1666b ).

5. General & Procedural Violations a. No Method of Verification : 100 % of the above accounts have not produced a signed, original application, contract, promissory note, or clear method of verification response, violating FCRA 611 [ 15 USC 1681i ( a ) ].

b. No Consistency Across Bureaus : Reporting is not uniform ( e.g., JPMCB visible only on Experian ), which misleads creditors and is contrary to industry standards for fair reporting as well as FCRA 607 ( b ) [ 1681e ( b ) ].

c. Negative Status on Paid/SoldXXXX Accounts : Reporting as derogatory or charged-off after the status is Paid, Sold, or {$0.00} balance is both inaccurate and unfair ( FCRA 607, 611 ).

d. Ongoing Negative Reporting of Disputed/Unverified Accounts : Continued reporting after request for validation is willful/negligent noncompliance ( FCRA 1681n, 1681o, FDCPA 1692g ( b ), 1692e ).

e. Lack of Required Consumer Authorization : There is no record of my written authorization as required by FCRA 604 ( a ) ( 2 ) [ 1681b ( a ) ( 2 ) ], making many of these entries unlawful.

f. Failure to Remove or Verify Within 30 Days : FCRA 611 and 1681i ( a ) require prompt removal if not verified ; Experian has not complied.

g. Failure to Supply Investigation Documents Upon Request : Violates FCRA 1681g, 1681h.

6. Legal Statutes & Grounds Violated 15 USC 1681i ( a ) /611 : Verification upon request, 30 days to delete if not verified / method of verification required 15 USC 1681e ( b ) /607 ( b ) : Must maintain maximum accuracy 15 USC 1681b ( c ) / ( a ) ( 2 ) : Must NOT furnish or report information without written authorization 15 USC 1681g/1681h : All information used in the investigation must be available to the consumer 15 USC 1681c : Obsolete accounts ( over 7 years ) MUST be deleted 15 USC 1666b : Late payment reporting requirements and verification FDCPA 1692g ( b ), 1692e, 1692c : Debt must be verified, and false, misleading, or continued collection/derogatory reporting is prohibited NY State & local statutes as applicable Both XXXX  and XXXX  have repeatedly responded to my credit reporting disputes with what appear to be delay tactics. They claim they lack sufficient information to identify my account or do not understand which item I am disputing, despite being provided with all relevant details. These responses seem designed to avoid genuinely investigating and resolving my disputes in a timely manner, and to frustrate my attempts to get inaccurate or negative information addressed properly.

Company response to consumer: Closed with non-monetary relief