Consumer complaint received 2025-12-09 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XXXX XXXX ( last XXXX ) : XXXX Phone : XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Disputing inaccurate, incomplete, and unverifiable information in Experian credit file ( FCRA ) To Whom It May Concern : I am writing to dispute several items in my Experian credit report, Report Number XXXX dated XX/XX/XXXX. The items below are inaccurate, incomplete, and/or can not be properly verified, and therefore must be corrected or deleted under the Fair Credit Reporting Act. I request a reasonable reinvestigation of each account. 
XXXXXXXX XXXX XXXX XXXX  Credit card ( Acct. ending XXXX, opened XX/XX/XXXX ) Experian shows this account as a credit card with a XXXX limit, charged off with a balance of about XXXX and XXXX past due as of XX/XX/XXXX, with a progression of XXXX days late leading to chargeoff. [ XXXX  ] The tradeline also states Completed investigation of FCRA dispute consumer disagrees. 
I dispute the accuracy and completeness of this item because : The reported balance and pastdue amounts are not consistent with my records regarding payments and any arrangements made. 
The payment history ( months reported late and the timing of the chargeoff ) appears inconsistent with my actual payment history. 
If the furnisher can not fully document the balance, dates of delinquency, and the chargeoff in compliance with FCRA requirements, this tradeline should be deleted as unverifiable. 
Requested action : Delete this tradeline entirely or, at minimum, correct the balance, pastdue amount, and paymentstatus history to match documented records. 
XXXX XXXX XXXX XXXX XXXX  Line of Credit ( Acct. ending XXXX, opened XX/XX/XXXX ) Experian reports this account as a line of credit with a XXXX credit limit, a chargedoff balance of XXXX, and XXXX past due as of XX/XX/XXXX, with chargeoff status reported every month back to XXXX. 
I dispute this reporting because : The balance and past due amount do not reflect my understanding of how this account was handled, including any payments, offsets, or closure. 
Reporting a constant chargeoff and unchanged pastdue amount for years may not accurately reflect the true status and may misstate the age and severity of the delinquency.

Requested action : Verify the true date of first delinquency, any payments or adjustments, and correct the balance and status accordingly, or delete the tradeline if accurate documentation can not be produced. 
XXXX. XXXX XXXX Secured Loan ( Acct. ending XXXX, opened XX/XX/XXXX ) Experian shows an original balance of XXXX, XXXX written off, and a remaining reported balance and pastdue amount of XXXX, with the account in chargeoff status from XX/XX/XXXX through at least XX/XX/XXXX. [ amazonaws ] I dispute this because : The ongoing reporting of a XXXX balance and chargeoff status for nearly three years may not match my obligations or any payments or releases made ; the account also notes Collateral released by creditor / balance owing in prior reinvestigation comments.

The way the chargeoff is being reported may misstate the actual outstanding liability and the timeline of delinquency. 
Requested action : Verify the current legal balance and correct it to {$0.00} if appropriate, update the status if the obligation has effectively ended, or delete the tradeline if accurate records are not available. 
XXXX. XXXX XXXX XXXX  Note Loan ( Acct. ending XXXX, opened XX/XX/XXXX ) Listed as Paid, Closed but with XXXX and XXXX late notations in XXXX and XX/XX/XXXX, and a balance history inconsistent with the original XXXX amount and my understanding of payments. [ XXXX  ] I dispute the lateness being reported if payments were made on time or in accordance with any agreement, and I request that you confirm with the furnisher whether those late codes are correct or were the result of an internal error. 
Requested action : Remove the reported late payments and reflect an accurate ontime payment history if the delays can not be properly documented, or otherwise correct the dates/amounts. 
XXXX. XXXX XXXX XXXXXXXX. Secured Line of Credit ( Acct. ending XXXX, opened XX/XX/XXXX ) Reported as XXXX, Closed with a XXXX late in XX/XX/XXXX and various balances up to a XXXX limit, despite the account being a small subscriptionstyle line. [ amazonaws ] I request verification that a XXXX delinquency actually occurred, including the exact due date, posting date, and any grace period, because smallticket subscription lines are often mistimed in reporting. 
Requested action : Remove the 30day late if it can not be thoroughly substantiated ; otherwise correct any date or balance inaccuracies.

6. XXXX XXXX XXXX XXXX XXXX Multiple accounts marked POTENTIALLY NEGATIVE Several Self Financial/Lead Bank accounts ( secured loans and secured cards ) are reported with XXXX and XXXX lates in XXXX, despite being paid and closed, and some show overlapping dates and duplicate structures : Account XXXX Secured card opened XX/XX/XXXX, paid/closed, with XXXX and XXXX lates in XXXX XXXX. [ amazonaws ] Account XXXX ( loan opened XX/XX/XXXX ) with XXXX and XXXX lates in XXXX XXXX, later paid/closed. [ amazonaws ] Account XXXX ( secured card opened XX/XX/XXXX ) with XXXX and XXXX lates in XXXX  XXXX XXXX then paid/closed. [ XXXX  ] These multiple overlapping accounts, all from the same furnisher and all ultimately paid/closed, create a risk of duplicative or inconsistent negative reporting. 
Requested action : Confirm that these lates are accurate, not duplicates or internal rollovers. 
Remove any negative notations that can not be documented, and ensure no more than XXXX tradeline reflects the same underlying obligation. 
XXXX. XXXX XXXX XXXX Charge card ( Acct. ending XXXX, opened XX/XX/XXXX ) Listed as XXXX with a limit of XXXX, a current balance of about XXXX, and XXXX and XXXX lates reported in XXXX and XX/XX/XXXX, despite a payment pattern that includes months of payments and adjustments. 
I dispute whether the specific months coded as XX/XX/XXXX days late are accurate and whether they properly account for posted payments. 
Requested action : Require the furnisher to verify the actual due dates, payment postings, and correct any miscoded late months or balances, or remove the negative codes if they can not be substantiated. 
XXXX. XXXX XXXX XXXX XXXX ( Acct. ending XXXX, opened XX/XX/XXXX ) Reported as open with a XXXX limit, a XXXX balance, and a pattern of XXXX and XXXX lates in XXXX, XXXX, XXXX, and XX/XX/XXXX. 
Given the small payment amount ( 10 monthly ) and frequent micropayments, late coding may be the result of internal timing rather than true 30+ day delinquency.

Requested action : Verify whether payments were actually 30+ days late according to the written agreement ; if not, remove those late codes and correct the payment history. 
XXXX. XXXX XXXX XXXX XXXX ( Acct. ending XXXX, opened XX/XX/XXXX ) A XXXX sales contract with original balance XXXX, still open with a XXXX balance and XXXX and XXXX lates in multiple 2025 months ( XXXX, XXXX, XXXX, XXXX ). [ XXXX  ] As with the charge card, the reporting pattern suggests possible systemic miscoding of a small installment product. 
Requested action : Require full documentation of each alleged 30/60day late ; remove late codes and correct to an accurate pay history if that documentation is incomplete.

10. Personal information / prior addresses My file shows many former addresses, some of which may no longer be associated with me.

Please remove any address or name variation that your investigation confirms does not belong to me or is tied to accounts I have already disputed as inaccurate, to reduce the risk of mixedfile errors. [ experian +1 ] I have enclosed : A copy of my Experian report with each disputed item highlighted. 
Copies of any statements, letters, or screenshots showing correct balances, dates, or that accounts were paid or settled. 
Under the FCRA, you must conduct a reasonable reinvestigation, delete or correct information that is inaccurate, incomplete, or can not be verified, and provide me with the written results and a free updated copy of my report. If any furnisher can not fully verify its reporting, that item must be removed. [ consumerfinance +2 ] Sincerely, XXXX XXXX XXXX 15 USC1681i ( a ) 1 15 USC 1681i ( a ) ( B ) ( 3 ) 15 USC 16181i ( a ) ( B ) ( 5 )

Company response to consumer: Closed with explanation