Consumer complaint received 2025-07-14 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: SC

Complaint narrative:
Letter 1 : Formal Dispute to TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Date of Birth : XXXX Date : XX/XX/XXXX To : TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX VIA CERTIFIED MAIL - RETURN RECEIPT REQUESTED Subject : Formal Demand for Reinvestigation and Deletion of Inaccurate Information Dear TransUnion, This letter is a formal dispute of information contained in my credit file, as is my right under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I am writing to demand that you conduct a thorough reinvestigation of several items on my report that are inaccurate, incomplete, and misleading. 
I have attached a copy of my driver 's license and a recent utility bill to verify my identity and address. 
The following accounts reported on my TransUnion credit report are in violation of federal law and must be deleted : XXXX. XXXX XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : Your reporting of the " Date of Last Activity '' as XX/XX/XXXX and " Last Payment '' as XX/XX/XXXX is inconsistent with other credit bureaus. The FCRA ( 15 U.S.C. 1681e ( b ) ) requires you to follow reasonable procedures to assure maximum possible accuracy. The conflicting dates prove these procedures have failed. 
* Action Required : You must delete this inaccurate account from my credit file. 
XXXX. XXXXXXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXX  Violation : This account is reported only to TransUnion. This selective reporting is highly suspect and points to incomplete and potentially inaccurate data. It is your responsibility to ensure the completeness of the data you report. 
* Action Required : Investigate this discrepancy. If this account can not be verified as accurately and completely reported across all bureaus, you must delete it. 
XXXX. XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Violation : This collection account is reported with conflicting information across the bureaus. You list the " Account Status '' as " Open '' and the " Date of Last Activity '' as XX/XX/XXXX, while Experian reports it as closed with a last activity date in XXXX. This constitutes a severe violation of 15 U.S.C. 1681e ( b ) and a false representation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e. 
* Action Required : I demand immediate deletion of this unverified and inaccurately reported collection account. I also demand validation of this debt from the furnisher, as is my right under 15 U.S.C. 1692g. 
XXXX. XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX Violation : As with the XXXX account, this collection item has contradictory information. You report the account as " Open '' with a " Date of Last Activity '' of XX/XX/XXXX, which conflicts with other reports. This violates both FCRA accuracy standards and the FDCPA 's prohibition on false representations. 
* Action Required : Delete this unverifiable account. I also demand full validation of this alleged debt from the data furnisher. 
XXXX. Unauthorized Inquiries * Violation : The following inquiries were made without my consent or a permissible purpose under 15 U.S.C. 1681b : XXXX XXXX XXXXXXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) * Action Required : Provide proof of my authorization for these inquiries or delete them immediately. 
Under the FCRA, you have 30 calendar days to investigate these disputes. If you are unable to verify this information with the original furnishers, you must delete it from my report. Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and may lead to further legal action. 
Sincerely, XXXX XXXX XXXX XXXX : Formal Dispute to Experian XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Date of Birth : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX VIA CERTIFIED MAIL - RETURN RECEIPT REQUESTED Subject : Formal Demand for Reinvestigation and Deletion of Inaccurate Information Dear Experian, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to dispute multiple inaccurate items on my credit report. I demand a reinvestigation into these matters within the legally mandated 30-day period. 
I have enclosed a copy of my driver 's license and a recent utility bill for identity verification. 
The following accounts on my Experian report are inaccurate and in violation of my rights : XXXX. XXXX XXXX XXXX  ( Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation : The " Date of Last Activity '' is reported as XX/XX/XXXX, which directly conflicts with information on my other credit reports. Reporting such contradictory information is a violation of the FCRA 's requirement for maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). 
* Action Required : This inaccurate account must be deleted from my credit file. 
XXXX. XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX Violation : The " Date of Last Activity '' of XX/XX/XXXX and the " Creditor Type '' of " Personal Loan Companies '' are inconsistent with other reports. These inaccuracies are a clear violation of your obligations under the FCRA. 
* Action Required : I demand this account be deleted from my file due to these demonstrable errors. 
XXXX. XXXX XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX Violation : This account appears only on my Experian report. This selective reporting is highly irregular and calls into question the validity of the account and your verification procedures, violating the principle of maximum possible accuracy. 
* Action Required : You must verify that this is a complete and accurate entry. If you can not, it must be deleted immediately. 
XXXX. XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Violation : This collection account is reported as " Closed '' with a " Date of Last Activity '' of XX/XX/XXXX. This conflicts with TransUnion 's report, which lists it as " Open '' with a XXXX activity date. This is a material misrepresentation of the account 's status and a violation of both the FCRA and FDCPA. 
* Action Required : Delete this contradictory and unverified collection account. I also demand the furnisher provide validation of this debt as required by 15 U.S.C. 1692g. 
XXXX. Unauthorized Inquiries * Violation : The following inquiries appear on my report without my authorization, a violation of the permissible purpose clause of the FCRA ( 15 U.S.C. 1681b ) : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Action Required : Remove these inquiries, as I did not consent to them. 
You are required to provide me with a written response regarding the outcome of your investigation and an updated copy of my credit report. Your failure to correct these errors will be reported to the CFPB. 
Sincerely, XXXX XXXX XXXX XXXX : Formal Dispute to Equifax XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Date of Birth : XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX VIA CERTIFIED MAIL - RETURN RECEIPT REQUESTED Subject : Formal Demand for Reinvestigation and Deletion of Inaccurate Information Dear Equifax, This letter is my formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, concerning numerous errors on my Equifax credit report. I demand that you reinvestigate and delete all inaccurate, incomplete, and unverifiable information within 30 days. 
For proof of identity, I have enclosed a copy of my driver 's license and a utility bill. 
Please investigate and remove the following erroneous items : XXXX. XXXX XXXX XXXX  ( Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : Your report is missing the " Term Length '' for this mortgage and lists a " Date of Last Activity '' of XX/XX/XXXX, both of which are inconsistent with other credit bureaus. This incomplete and inaccurate entry is a direct violation of your duties under 15 U.S.C. 1681e ( b ). 
* Action Required : Due to the conflicting and incomplete nature of this information, you must delete the account. 
XXXX. XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : You are reporting a " XXXX XXXX '' of " {$0.00} '' for this account, a damaging inaccuracy as other bureaus report a {$600.00} limit. Furthermore, the remark stating a dispute was " resolved by data furnisher '' is a false statement. 
* Action Required : This account entry contains demonstrably false information and must be deleted immediately. 
XXXX. XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Violation : This collection account is listed with a " Date Reported '' of XX/XX/XXXX but a " Date of Last Activity '' from XX/XX/XXXX. This suggests illegal re-aging of an old debt, a serious violation of the FDCPA. The information also drastically conflicts with reports from other bureaus. 
* Action Required : This account is unverifiable, shows signs of illegal activity, and must be deleted from my file immediately. I demand validation of this debt from the furnisher under 15 U.S.C. 1692g. 
XXXX. XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation : This collection account is reported as " Closed '', which conflicts with another bureau 's report. The pejorative remark " Subject has not satisfied debt '' is prejudicial. This violates both FCRA accuracy standards and FDCPA rules on fair debt collection. 
* Action Required : Delete this unsubstantiated collection account. I also demand full validation from the furnisher. 
XXXX. Unauthorized Inquiry * Violation : I did not authorize the following inquiry, and it lacks a permissible purpose under 15 U.S.C. 1681b : XXXX XXXX  ( XX/XX/XXXX XXXX XXXX Action Required : Remove this inquiry from my report. 
I expect a response detailing the results of your investigation and a corrected credit report within 30 days. Your continued reporting of inaccurate information will compel me to seek further action through the CFPB and other legal avenues. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief