Consumer complaint received 2025-03-28 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: AL

Complaint narrative:
Dear CFPB, I am filing this formal complaint against Experian for its failure to comply with FCRA 1681i, 1681e ( b ), and FDCPA provisions in relation to disputed and unverifiable accounts that have not been removed despite multiple requests and clear inconsistencies in the data provided. 

Violations and Discrepancies Identified : 1. XXXX XXXX XXXX Duplicate Entries ) One account shows : Repaid via refinance never late Another shows : Charge-off 15 negative months Company Sold To : National Credit Adjusters Issue : Two contradictory versions of the same account are being reported simultaneously. This creates confusion and artificially inflates derogatory information.

Violation : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy Additional : This account was removed by XXXX after review, verifying it as inaccurate. 



XXXX. XXXX XXXX XXXX ( XXXX ) Debt listed as acquired from XXXX No chain of title, no validation, no contract presented Violation : Continued reporting despite no verifiable ownership violates FCRA 1681i and FDCPA debt buyer requirements Harm : Duplicate derogatory account amplifies credit damage 3. XXXX XXXX XXXX XXXX Reported as charged off with {$1100.00} loss Original loan included insurance to forgive in the event of job loss ( was terminated ) No documentation provided on insurance clause Violation : FCRA 1681i Failure to validate ; also unfairly affecting home loan eligibility 4. XXXX XXXX XXXX XXXX {$1100.00} charge-off No original contract or agreement provided Violation : Experian has failed to provide any legal wet-ink contract or signed documentation validating debt This entry was deleted by XXXX, proving it can not be verified. 



5. XXXX XXXX Charge-off of {$680.00} reported Missing key data : No terms, no last activity date, no creditor classification This account has already been deleted by XXXX due to insufficient verification Violation : FCRA 1681i and 1681s-2 failure to remove after dispute and validation requests 6. Possible XXXX XXXX Account marked as paid with {$45.00} written off Reports 25 months of negative payment history No details about original balance or supporting evidence shown Dispute concluded but no data provided Violation : FCRA 1681e ( b ) unverifiable completeness and accuracy 7. Re-aging Pattern Several accounts ( e.g., XXXX XXXX on Equifax ) list a Date of First Delinquency that predates the Date Opened, which is a textbook example of illegal re-aging Violation : FCRA 605 ( c ) artificially extending the time derogatory items remain on file Impact & Harm Due to Experians refusal to correct inaccurate data : I was denied a mortgage loan I was forced to accept a high-APR home loan due to damaged credit I spent months rebuilding my credit, which was undermined by Experians noncompliance These errors have caused both financial harm and emotional distress Dear CFPB, I am filing a formal complaint against Equifax for repeated violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically concerning the reporting of inaccurate, re-aged, and unverifiable accounts. 
Violations and Discrepancies Identified : XXXX. XXXX XXXX - Reported Date Opened : XX/XX/XXXX - Reported Date of First Delinquency : XX/XX/XXXX - Issue : A delinquency can not legally occur before the account is opened. 
- Violation : This constitutes illegal re-aging under FCRA 605 ( c ) and 1681s-2 ( a ) ( 1 ) ( A ) - Harm : This re-aged account artificially extends the negative impact on my credit report. 
XXXX. XXXX XXXX XXXX ( Debt Buyer ) - Listed as acquiring debt from XXXX XXXX - No proof of legal chain of title, assignment, or ownership provided - Violation : FCRA 1681i - failure to verify the account after dispute ; also violates FDCPA provisions on third-party debt reporting - Note : XXXX has deleted this entry, confirming unverifiability 3. XXXX XXXX - Charge-off with missing original contract, activity data, or documentation - No verification provided despite dispute - Violation : FCRA 1681e ( b ) and 1681i - Note : XXXX removed this entry based on my dispute 4. Systemic Failure to Investigate Disputes - Despite multiple disputes and legal documentation requests, Equifax has failed to : - Provide wet-ink signatures - Show original agreements or itemized balances - Respond in compliance with required timelines - Violation : FCRA 1681i - failure to conduct a reasonable reinvestigation Impact & Harm : - I was denied a mortgage loan due to these accounts- I was forced into a high-interest mortgage- I have spent months attempting to rebuild credit that has been unjustly damaged - These errors have caused emotional and financial distress

Company response to consumer: Closed with non-monetary relief