Consumer complaint received 2025-10-05 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX 
P.O. XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SUBJECT : FAILURE TO COMPLETE REINVESTIGATION WITHIN 30 DAYS / FORMAL DEMAND FOR DELETION OR METHOD OF VERIFICATION Account in Dispute : XXXX XXXX XXXX | Acct. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, This letter serves as a * * formal demand for deletion * * of the above-referenced account or, if verified, a * * Method of Verification ( M.O.V. ) * * under the * * Fair Credit Reporting Act ( FCRA ) * *, 15 U.S.C. 1681 et seq. 

On * * XX/XX/XXXXXXXX XXXX XXXX I submitted a dispute via * * CFPB.gov * * regarding inaccurate and inconsistent reporting of this account. 
Each bureau received the dispute as follows XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As of XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX neither bureau has provided reinvestigation results or completed responses. 
This violates * * FCRA 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) * *, which grants credit reporting agencies 30 days to complete a reinvestigation. 
Therefore, this account must be * * immediately deleted * * under * * 611 ( a ) ( 5 ) ( A ) * *. 

If either bureau claims that the account was verified, I am now invoking my right to receive the * * full Method of Verification * * within * * 15 days * * pursuant to * * 611 ( a ) ( 6 ) ( B ) ( iii ) * * and * * 611 ( a ) ( 7 ) * *. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - SECTION XXXX FCRA 30-DAY REINVESTIGATION REQUIREMENT -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - * * FCRA 611 ( a ) ( 1 ) ( A ) * * clearly states : > If the completeness or accuracy of any item of information is disputed by a consumer and the consumer notifies the agency the agency shall, free of charge, conduct a reasonable reinvestigation * * before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute. * * Failure to complete a reinvestigation within the statutory XXXX period constitutes * * noncompliance with federal law * *. 
Under * * 611 ( a ) ( 5 ) ( A ) * *, any item that can not be verified * * within that period * * must be * * deleted from the consumers file * *.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - SECTION II CFPB.GOV DISPUTES CARRY EQUAL LEGAL WEIGHT -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Under * * FCRA 623 ( a ) ( 8 ) * * [ 15 U.S.C. 1681s-2 ( a ) ( 8 ) ] and * * CFPB XXXX XXXXXXXX XXXX XXXX disputes submitted through * * CFPB.gov * * are * * legally equivalent to direct disputes * * submitted to a CRA or furnisher. 
Therefore, all statutory duties including the XXXX reinvestigation requirement, the duty to delete unverifiable data, and the obligation to provide a Method of Verification apply * * without exception * *.

Failure to timely reinvestigate or provide findings through the CFPB portal is a direct violation of * * FCRA 611 ( a ) ( 1 ) ( A ) * * and * * 623 ( b ) * *. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - SECTION III MATERIAL INCONSISTENCIES & UNVERIFIABLE REPORTING -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The * * XXXX XXXX XXXXXXXX XXXX XXXX account is reported inconsistently and inaccurately as follows : XXXX XXXX XXXX Date of Last Activity XXXX XXXX XXXX XXXX & Experian : XX/XX/XXXX - I do not recall any activity on this account in XXXX. If unverifiable, this must be deleted. 
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) : CRAs must go beyond accepting a furnishers word. ) XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX  - Equifax : XXXX - Experian : Charge-off Contradictory statuses constitute materially misleading reporting under * * 1681e ( b ) * *. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : inconsistent reporting violates FCRA. ) XXXX. * * Most Recent Adverse Rating * * - Equifax : None - Experian : Collection/Charge-off Omission or contradiction in adverse status is misleading to potential lenders. 

XXXX. * * Comments/ Remarks * * - Equifax : Refinanced - Experian : Unpaid balance reported as a loss by credit grantor Contradictory remarks misstate account standing and violate * * 1681e ( b ) * * and * * FTC guidance * *.

5. * * Payment History * * - Both bureaus : No history reported - Failure to provide consistent payment history while labeling an account as charge-off or refinanced is misleading. 
( * XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX incomplete or misleading data is actionable. ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - SECTION XXXX APPLICABLE FCRA LAW AND CASE LAW -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - * * Statutory Authority * * - 602 ( a ) Congressional findings on accuracy and fairness in reporting - 607 ( b ) Duty to ensure maximum possible accuracy - 611 ( a ) ( 1 ) ( A ) 30-day reinvestigation rule - 611 ( a ) ( 5 ) ( A ) Deletion of unverifiable or inaccurate data - 611 ( a ) ( 6 ) ( B ) ( iii ) & 611 ( a ) ( 7 ) Right to Method of Verification - 623 ( a ) ( 1 ) ( A ) Furnishers may not report information known to be inaccurate - 623 ( a ) ( 8 ) CFPB disputes hold equal legal standing to direct disputes * * Supporting Case Law * * - * XXXX XXXX TransUnion *, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs must perform independent, reasonable investigations. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contradictory reporting constitutes inaccuracy. 
- * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Misleading data violates the FCRA. 
- * XXXXXXXX XXXX Equifax XXXX. XXXX. *, XXXX XXXX XXXX Missing the XXXX deadline requires deletion. 
- * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX must be documentary and supported by evidence. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - SECTION XXXX TOO LATE TO UPDATE OR CURE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Once the statutory 30-day reinvestigation window has expired, bureaus * * can not retroactively update, cure, or modify * * the record to create the appearance of compliance.

Per * * 611 ( a ) ( 5 ) ( A ) * *, the only permissible action is * * deletion * *.

Any subsequent attempt to alter or reinsert the account without certification constitutes * * willful noncompliance * * under * * 616 ( 15 U.S.C. 1681n ) * *.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - SECTION VI FORMAL DEMAND FOR ACTION -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 1. * * Immediate Deletion * * of the XXXX XXXX XXXX tradeline from all consumer files for failure to complete reinvestigation within 30 days. 
XXXX. * * If Verified : * * Provide full * * Method of Verification ( M.O.V. ) * * within 15 days, including : Furnishers name, address, and telephone number Date and method of verification All documentation relied upon Failure to comply will result in formal complaints to the * * CFPB * *, * * FTC * *, and the * * New Jersey Attorney General * *, and may lead to civil action under * * FCRA 616617 * *. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation