Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute and Rebuttal to Equifax XXXX XXXX Number : XXXX Disputed Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Equifax Dispute Department, I am writing to * * formally dispute inaccurate and inconsistent information * * contained in my Equifax credit file under * * engagement number XXXX * *. This letter serves both as a * * new dispute filing * * and as a * * rebuttal * * to your prior investigation response, which failed to meet the standards required under the * * Fair Credit Reporting Act ( FCRA ) * *, 15 U.S.C. 1681 * et seq. * I. Basis of Dispute Pursuant to * * 15 U.S.C. 1681c-2 * *, consumers have the right to request the permanent blocking of information that is the result of identity theft, is inaccurate, or otherwise can not be verified. The account ( s ) tied to the above engagement number are * * inaccurate, unverifiable, and internally inconsistent * *, and therefore should not remain on my credit report. 

Specifically, my file currently reflects XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX associated with the same account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX but reporting contradictory data, including : XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX  {$19000.00XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Conflicting notations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX means conformity to truth or to a correct standard, and * error * is a deviation from the requirements of law or fact that affects a substantial right. The simultaneous reporting of XXXX conflicting versions of XXXX account constitutes a legal * error * and violates the FCRAs mandate that information be * complete and accurate. * II. Deficient Investigation by Equifax Under * * 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) * *, Equifax must conduct a * * reasonable reinvestigation * * of disputed information. Merely forwarding an automated electronic form to the furnisher and reproducing its reply does * * not * * satisfy this duty. 

As defined iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX investigation * means a careful and systematic search for truth ; diligent inquiry. * Due diligence * is the measure of prudence and activity expected of a reasonable and prudent person. Equifaxs processre-verifying inaccurate data without reconciling internal contradictionsfails to meet this standard.

III. Material Inconsistency and Resulting Harm Because Equifax can not determine which of the XXXX versions is factually correct, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * 15 U.S.C. 1681e ( b ) * *. Each duplicate record constitutes a separate * publication * of false information, as defined in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, thereby creating independent grounds for damages under * * 1681n and 1681o * *. 

IV. Actions Requested I hereby request the following corrective actions in accordance with the FCRA : 1. * * Investigate and verify * * the disputed account ( s ) under engagement number XXXX XXXX XXXX XXXX XXXX 
2. * * Delete or permanently block * * all unverifiable, inconsistent, or inaccurate information related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  unless a single verified and consistent record can be produced. 
3. Provide * * written verification * * showing the precise date, balance, and payment history supported by original creditor documentation ( not third-party database copies ).

4. Issue a * * certification of correction * * to all parties that previously received the erroneous data, as required by * * 1681i ( d ) * *.

5. Provide me with * * written confirmation * * of the investigation results and an updated credit report upon completion. 

Please note that under the * * FCRA * *, you are required to complete your reinvestigation within * * 30 days * * of receipt of this notice and promptly inform me of the outcome. 



VI. Reservation of Rights As defined in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reservation of rights * is the formal declaration that one intends to retain a right, notwithstanding some act that might otherwise waive it. Accordingly, I reserve all rights to pursue civil remedies under * * 15 U.S.C. 1681n and 1681o * * for negligent or willful non-compliance with your statutory duties. 


Thank you for your immediate attention to this matter. I look forward to your written confirmation of corrective action. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation