Consumer complaint received 2025-07-07 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: NV

Complaint narrative:
Formal Dispute Under FCRA DEMAND FOR REMOVAL OF INACCURATE & ILLEGAL REPORTING To Whom It May Concern, This letter serves as an official and legally binding dispute and demand for immediate deletion of multiple inaccurate, unverifiable, and improperly reported accounts listed on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and demanding that all unverified or illegally reported accounts be permanently removed from all three of my credit files. 

I am disputing the following items : -- - XXXX. XXXX XXXX ( Account ending in XXXX ) Reporting derogatory status and multiple XXXX late notations. 

FCRA Violation : Re-aging account to extend derogatory reporting ( 15 U.S.C 1681c ( c ) ) Action Requested : Delete immediately. Re-aging without proper documentation is a violation. 


XXXX. XXXX XXXXXXXX ( Account ending in XXXX ) Charged-off yet marked Open with {$2100.00} balance. 

Violation : FCRA 623 Failure to update account as disputed and incorrect open status.

Action Requested : Remove inaccurate status and/or delete entire tradeline. 


XXXX. XXXX XXXX / XXXX ( Experian only ) Listed as derogatory with no updated payment history, multiple charge-off remarks. 

Violation : FCRA 611 ( a ) ( 1 ) Experian failed to verify within 30 days and misreported.

Action Requested : Delete immediately or provide legally sufficient verification. 


XXXX. XXXX ( Auto Loan ) Showing inflated balance and charge-off after closed status.

Violation : FCRA 605 ( c ) Running or restarting the reporting period is illegal.

Action Requested : Remove immediately or provide date of first delinquency. 


XXXX. DPT ED / XXXX ( Student Loan ) Reporting balance of {$59000.00} with deferred payment, yet derogatory indicators may impact score.

Violation : FCRA 623 Failure to accurately report status as deferred.

Action Requested : Update status or delete if it can not be accurately verified.

-- - LEGAL GROUNDS FOR DISPUTE : 15 U.S.C. 1681i ( a ) ( 1 ) Bureaus must investigate within 30 days.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Reinserted accounts must be notified within 5 business days.

15 U.S.C. 1681b ( f ) No one may pull my credit without a permissible purpose.

15 U.S.C. 1681s-2 ( a ) Data furnishers must ensure maximum accuracy.

15 U.S.C. 1681c ( a ) Derogatory information must not be re-aged.

This letter is also being submitted through the CFPB portal. If you do not comply within the statutory 30-day window, I will escalate with litigation and regulatory enforcement. Each violation is subject to {$1000.00} statutory damages, and I am prepared to seek full legal remedy for any continued negligence or willful noncompliance. 

I demand written confirmation of deletions and copies of all documentation used to verify any items you choose to keep. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/year> SSN : XXXX

Company response to consumer: Closed with non-monetary relief