Consumer complaint received 2025-11-19 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: NC

Complaint narrative:
O. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DOB : XX/XX/XXXX DATE : Re : Request for Reinvestigation Under FCRA 602, 609, 611, 623 To whom it may concern, I am formally disputing the accuracy and completeness of several items reporting on my Experian credit file. These accounts contain multiple inaccuracies and unverifiable information, which violates the Fair Credit Reporting Act ( FCRA ). 
Please conduct a full reinvestigation and delete any item that can not be verified 100 % with original source documentation, not data from automated e-Oscar systems. 
Accounts Disputed XXXX. XXXX XXXX Charged Off Acct ending XXXX ( From report : {$600.00} charge-off ) This account contains the following errors : Dates of delinquency inconsistent Charge-off date inconsistent across months Past due amount conflicts with balance Possible unlawful re-aging in XXXX Status shows Closed at credit grantors request but also Charge-Off This violates FCRA 623 ( a ) ( 1 ) ( A ) accuracy requirements. 
This account is disputed as inaccurate and unverifiable. Please delete. 
XXXX. XXXX XXXX XXXX Charge Off Acct CL ( From report : {$85.00} charge-off ) Reporting errors include : Multiple inconsistent past-due dates Missing data for multiple months Balance and past due amount conflict Status updated months after last payment with no documentation This violates FCRA 607 ( b ) and 623. 
This account is disputed as inaccurate and unverifiable. Please delete. 
XXXX. All Unauthorized/Incorrect Hard Inquiries If the furnishers can not provide signed application records proving my authorization, delete the inquiries. 
Requested Actions Under FCRA 609 and 611, I request : Full reinvestigation of all accounts Method of verification ( MOV ) Deletion of any account that can not be fully verified Updated credit report mailed to me Thank you, XXXX XXXX XXXX. XXXX XXXX DISPUTE LETTER ( Furnisher ) Send to : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : FCRA XXXX Furnisher Dispute Request for Deletion To whom it may concern, I am disputing the Capital XXXX account ending XXXX. Your company is reporting inaccurate, incomplete, and unverifiable information, including : Conflicting dates of first delinquency Changing charge-off dates Past due amount not matching balance Status showing closed AND charged off Possible re-aging in XXXX Under FCRA 623 ( a ) ( 1 ) ( A ), you are prohibited from reporting inaccurate information to Experian. 
Because this account can not be verified as accurate, I request : Immediate deletion of this account from all consumer reporting agencies. 
Sincerely, XXXX XXXX XXXX. XXXX XXXX DISPUTE LETTER Send to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Dispute Under FCRA 623 Incorrect Reporting I am disputing the Kikoff account ( CLXXXX ) reporting a charge-off of {$85.00}. The listing contains : Incorrect past-due history Missing reporting months Balance conflicts Status updated without activity Inconsistent dates These errors violate FCRA 623. 
Because you can not verify the accuracy of this reporting, I request the account be deleted from all credit bureaus. 
Sincerely, XXXX XXXX XXXX. HARD INQUIRY REMOVAL LETTER Use for any inquiry you did NOT authorize To Whom It May Concern, I am disputing the hard inquiry your company placed on my Experian credit file. 
I did not authorize any credit application with your company. 
Under FCRA 604, a hard inquiry requires written authorization. 
Provide : A copy of the signed credit application IP address, device information, and timestamp of authorization If you can not provide this within XXXX  days, remove the inquiry immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation