Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : FCRA FORMAL REINVESTIGATION DEMAND ( XXXX ) - DEMAND FOR DELETION Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX, XXXX, NC XXXX SSN : XXXX Date of Birth : XX/XX/XXXX FCRA FORMAL REINVESTIGATION DEMAND AND NOTICE OF DISPUTE NOTICE : This constitutes a FORMAL REINVESTIGATION DEMAND under the Fair Credit Reporting Act requiring enhanced investigation procedures beyond standard dispute processing. 
Dear Sir/Madam, I am writing to formally dispute the following inaccurate, unverifiable, outdated, and/or incomplete information appearing on my credit report. This letter constitutes a FCRA FORMAL REINVESTIGATION DEMAND ( XXXX ) which requires you to conduct an enhanced investigation beyond your standard automated dispute procedures. 
DISPUTED ITEM : Account Name : XXXX BANK XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance/Amount : {$940.00} Status : Account charged off FCRA FORMAL REINVESTIGATION DEMAND ( XXXX  ) REQUIREMENTS ENHANCED INVESTIGATION STANDARDS : This XXXX triggers heightened investigation obligations under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), requiring you to : XXXX. XXXX. XXXX. XXXX. XXXX. CONDUCT COMPREHENSIVE REVIEW- Not automated processing but actual human review of all documentation CONTACT FURNISHER DIRECTLY - Phone verification beyond standard XXXX  forms REQUEST ORIGINAL DOCUMENTATION - Source documents proving account validity REVIEW ALL CONSUMER-PROVIDED EVIDENCE - Mandatory consideration of attached documentation PROVIDE DETAILED INVESTIGATION RESULTS- Written explanation of investigation process and findings XXXX LEGAL BASIS - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Your investigation must be " reasonable '' which courts have interpreted as requiring more than automated processing when consumers provide detailed disputes with supporting documentation ( see XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). 
LEGAL BASIS FOR DISPUTE XXXX. ACCURACY VIOLATIONS- 15 U.S.C. 1681s-2 ( a ) Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers must ensure all reported information is accurate and complete. The above item violates this statute because : CROSS-BUREAU INCONSISTENCIES : Equifax reports last payment as XX/XX/XXXX while your report shows XX/XX/XXXX PAYMENT HISTORY DISCREPANCIES : Different charge-off progression timelines between bureaus DISPUTE STATUS CONFUSION : Item shows " UNDER DISPUTE '' but with conflicting resolution status INCOMPLETE INVESTIGATION HISTORY : Previous disputes show " investigation complete '' but inconsistencies remain XXXX. VERIFICATION FAILURES- 15 U.S.C. 1681i Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), you must conduct a reasonable investigation. This item appears to be : UNVERIFIABLE DUE TO INCONSISTENCIES : Can not verify accurate information when XXXX report different data LACKING PROPER FURNISHER COORDINATION : Failure to ensure consistent reporting across all CRAs BASED ON INCOMPLETE PRIOR INVESTIGATIONS : Previous disputes resolved without correcting cross-bureau discrepancies XXXX. REINSERTION VIOLATIONS- 15 U.S.C. 1681i ( 5 ) ( B ) ( ii ) The account shows previous dispute activity with resolution, yet inconsistencies remain. You must provide : Written notice of any reinsertion Name, address, and phone number of furnisher All relevant information provided by furnisher proving accuracy XXXX. HYBRID METHOD OF VERIFICATION VIOLATIONS- 15 U.S.C.

1681i ( 7 ) Your previous investigation failed to resolve cross-bureau inconsistencies, indicating inadequate verification methods. 
SPECIFIC STATUTE VIOLATIONS FOR CHARGE-OFFS WITH INCONSISTENT REPORTING : 15 U.S.C. 1681e ( b ) - Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Inadequate investigation of disputed information 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) - Furnisher accuracy obligations violated through inconsistent reporting 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) - Failure to investigate disputed information properly CROSS-BUREAU CONSISTENCY REQUIREMENTS : 15 U.S.C. 1681s-2 ( a ) ( 2 ) - Furnisher must report same information to all CRAs 12 CFR 1022.43 - CFPB regulations requiring consistent reporting FURNISHER INVESTIGATION OBLIGATIONS Under 15 U.S.C. 1681s-2 ( b ), upon receiving dispute notification, XXXX Bank XXXX XXXX XXXX. XXXX. XXXX. XXXX reasonable investigation to resolve cross-bureau inconsistencies XXXX all relevant information including prior dispute documentation Report consistent results to ALL credit reporting agencies XXXX. XXXX. Modify, delete, or permanently block reporting if unable to verify accuracy Provide documentation supporting the accuracy of reported information DEMANDS Based on the above violations and this FCRA FORMAL REINVESTIGATION DEMAND, I demand that you : XXXX. XXXX. XXXX. XXXX. XXXX. XXXX. XXXX. XXXX. CONDUCT ENHANCED INVESTIGATION using heightened FFRD standards to resolve all inconsistencies CONTACT XXXX BANK DIRECTLY via phone to obtain consistent, verifiable information COMPARE CROSS-BUREAU REPORTING and identify all discrepancies OBTAIN ORIGINAL ACCOUNT DOCUMENTATION including payment records and charge-off calculations PERMANENTLY DELETE all references to this account if consistent verification can not be obtained PROVIDE DETAILED INVESTIGATION REPORT explaining how inconsistencies were resolved COORDINATE WITH OTHER BUREAUS to ensure consistent reporting if account remains NOTIFY ALL RECIPIENTS of my credit report in the past 6 months of any changes XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : FCRA FORMAL REINVESTIGATION DEMAND ( XXXX  ) - DEMAND FOR DELETION Consumer Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, NC XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX FCRA FORMAL REINVESTIGATION DEMAND AND NOTICE OF DISPUTE NOTICE : This constitutes a FORMAL REINVESTIGATION DEMAND under the Fair Credit Reporting Act requiring enhanced investigation procedures beyond standard dispute processing. 
Dear Sir/Madam, I am writing to formally dispute the following inaccurate, unverifiable, outdated, and/or incomplete information appearing on my credit report. This letter constitutes a FCRA FORMAL REINVESTIGATION DEMAND ( FFRD ) which requires you to conduct an enhanced investigation beyond your standard automated dispute procedures. 
DISPUTED ITEM : Account Name : XXXX BANK XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance/Amount : {$940.00} Status : Account charged off FCRA FORMAL REINVESTIGATION DEMAND ( FFRD ) REQUIREMENTS ENHANCED INVESTIGATION STANDARDS : This FFRD triggers heightened investigation obligations under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), requiring you to : XXXX. XXXX. XXXX. XXXX. XXXX. CONDUCT COMPREHENSIVE REVIEW- Not automated processing but actual human review of all documentation CONTACT FURNISHER DIRECTLY - Phone verification beyond standard CDV forms REQUEST ORIGINAL DOCUMENTATION - Source documents proving account validity REVIEW ALL CONSUMER-PROVIDED EVIDENCE - Mandatory consideration of attached documentation PROVIDE DETAILED INVESTIGATION RESULTS- Written explanation of investigation process and findings FFRD LEGAL BASIS - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Your investigation must be " reasonable '' which courts have interpreted as requiring more than automated processing when consumers provide detailed disputes with supporting documentation ( see XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). 
LEGAL BASIS FOR DISPUTE XXXX. ACCURACY VIOLATIONS- 15 U.S.C. 1681s-2 ( a ) Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers must ensure all reported information is accurate and complete. The above item violates this statute because : CROSS-BUREAU INCONSISTENCIES : Equifax reports last payment as XX/XX/XXXX while your report shows XX/XX/XXXX PAYMENT HISTORY DISCREPANCIES : Different charge-off progression timelines between bureaus DISPUTE STATUS CONFUSION : Item shows " UNDER DISPUTE '' but with conflicting resolution status INCOMPLETE INVESTIGATION HISTORY : Previous disputes show " investigation complete '' but inconsistencies remain XXXX. VERIFICATION FAILURES- 15 U.S.C. 1681i Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), you must conduct a reasonable investigation. This item appears to be : UNVERIFIABLE DUE TO INCONSISTENCIES : Can not verify accurate information when XXXX report different data LACKING PROPER FURNISHER COORDINATION : Failure to ensure consistent reporting across all CRAs BASED ON INCOMPLETE PRIOR INVESTIGATIONS : Previous disputes resolved without correcting cross-bureau discrepancies XXXX. REINSERTION VIOLATIONS- 15 U.S.C. 1681i ( 5 ) ( B ) ( ii ) The account shows previous dispute activity with resolution, yet inconsistencies remain. You must provide : Written notice of any reinsertion Name, address, and phone number of furnisher All relevant information provided by furnisher proving accuracy XXXX. HYBRID METHOD OF VERIFICATION VIOLATIONS- 15 U.S.C.

1681i ( 7 ) Your previous investigation failed to resolve cross-bureau inconsistencies, indicating inadequate verification methods. 
SPECIFIC STATUTE VIOLATIONS FOR CHARGE-OFFS WITH INCONSISTENT REPORTING : 15 U.S.C. 1681e ( b ) - Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Inadequate investigation of disputed information 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) - Furnisher accuracy obligations violated through inconsistent reporting 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) - Failure to investigate disputed information properly CROSS-BUREAU CONSISTENCY REQUIREMENTS : 15 U.S.C. 1681s-2 ( a ) ( 2 ) - Furnisher must report same information to all CRAs 12 CFR 1022.43 - CFPB regulations requiring consistent reporting FURNISHER INVESTIGATION OBLIGATIONS Under 15 U.S.C. 1681s-2 ( b ), upon receiving dispute notification, XXXX Bank XXXX XXXX XXXX. XXXX. XXXX. XXXX reasonable investigation to resolve cross-bureau inconsistencies XXXX all relevant information including prior dispute documentation Report consistent results to ALL credit reporting agencies XXXX. XXXX. Modify, delete, or permanently block reporting if unable to verify accuracy Provide documentation supporting the accuracy of reported information DEMANDS Based on the above violations and this FCRA FORMAL REINVESTIGATION DEMAND, I demand that you : XXXX. XXXX. XXXX. XXXX. XXXX. XXXX. XXXX. XXXX. CONDUCT ENHANCED INVESTIGATION using heightened FFRD standards to resolve all inconsistencies CONTACT XXXX BANK DIRECTLY via phone to obtain consistent, verifiable information COMPARE CROSS-BUREAU REPORTING and identify all discrepancies OBTAIN ORIGINAL ACCOUNT DOCUMENTATION including payment records and charge-off calculations PERMANENTLY DELETE all references to this account if consistent verification can not be obtained PROVIDE DETAILED INVESTIGATION REPORT explaining how inconsistencies were resolved COORDINATE WITH OTHER BUREAUS to ensure consistent reporting if account remains NOTIFY ALL RECIPIENTS of my credit report in the past 6 months of any changes XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : FCRA FORMAL REINVESTIGATION DEMAND ( FFRD ) - CHAIN OF TITLE VIOLATIONS Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX DISPUTED ITEM : Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Status : Account charged off, {$2800.00} written off Historical Info : Company Sold XXXX XXXX XXXX LEGAL BASIS FOR XXXX XXXX XXXX CHAIN OF TITLE VIOLATIONS- 15 U.S.C. 1681s-2 ( a ) INCOMPLETE OWNERSHIP DOCUMENTATION : No proof of valid sale/transfer to XXXXXXXX XXXX  ASSIGNMENT VERIFICATION XXXX XXXX XXXX not verify legal right to report debt DUAL REPORTING RISK : Both original creditor and debt buyer XXXX be reporting same debt XXXX. PERMISSIBLE PURPOSE VIOLATIONS- 15 U.S.C. 1681b XXXX XXXX XXXX XXXX lack permissible purpose to report this information without : Valid assignment documentation Proof of ownership transfer XXXX notification of transfer XXXX. FURNISHER OBLIGATIONS- 15 U.S.C. 1681s-2 ( b ) ( 1 ) Upon receiving dispute, furnisher must investigate : Validity of debt ownership transfer Accuracy of balance and status information Legal right to continue reporting DEMANDS XXXX. XXXX. XXXX. XXXX. XXXX. PROVIDE CHAIN OF TITLE DOCUMENTATION showing valid transfer to XXXX XXXX XXXX XXXX PURPOSE for continued reporting post-sale CONFIRM NO DUPLICATE REPORTING between Regional Finance and XXXX XXXX DELETE IF UNVERIFIABLE - Remove if ownership can not be proven PROVIDE ASSIGNMENT DOCUMENTATION or permanently delete account CONSEQUENCES OF NON-COMPLIANCE Failure to properly conduct these FCRA Formal Reinvestigation Demands XXXX result in : Violations of 15 U.S.C. 1681e ( b ) - failure to follow reasonable procedures for XXXX Violations of 15 U.S.C. 1681i - inadequate enhanced investigation procedures Willful non-compliance due to notice of heightened investigation requirements Potential legal action with enhanced damages for ignoring FFRD procedures Statutory damages up to {$1000.00} plus actual damages and attorney fees Punitive damages for willful violation of FFRD requirements COURT PRECEDENT : Courts have held that detailed consumer disputes with supporting documentation require more than automated verification XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
ADDITIONAL STATUTE VIOLATIONS IDENTIFIED : XXXX. EXCESSIVE INQUIRIES - 15 U.S.C. 1681b ( a ) ( 2 ) Your Experian report shows excessive soft inquiries from XXXX XXXX ( daily inquiries for months ), which XXXX indicate : Unauthorized access violations Permissible purpose violations for frequency of access Consumer consent violations for excessive monitoring XXXX. FRAUD ALERT COMPLIANCE - 15 U.S.C. 1681c-1 Both reports show fraud alerts, but continued reporting of disputed items XXXX violate enhanced verification requirements under fraud alert status. 
XXXX. IDENTITY THEFT PROTECTIONS- 15 U.S.C. 1681c-2 Given the fraud alert and consumer statement " ID FRAUD VICTIM ALERT, '' continued reporting of disputed items without enhanced verification violates identity theft protection statutes. 
Sincerely, XXXX XXXX XXXX Date : XX/XX/XXXX ENCLOSURES : Copy of Photo ID Proof of Address Previous Dispute Correspondence Fraud Alert Documentation XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : FCRA FORMAL REINVESTIGATION DEMAND ( XXXX  ) - DUPLICATE ACCOUNT REPORTING Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX, XXXX, NC XXXX SSN : XXXX Date of Birth : XX/XX/XXXX DISPUTED ITEMS : Account Name : XXXX XXXX BANK Account Number XXXX : * XXXX Balance : {$300.00} Status : Contact The XXXX XXXX For Status Account Name : XXXX  XXXX BANK Account Number XXXX : * XXXX Balance : {$1400.00} Status : Charge Off LEGAL BASIS FOR DISPUTE XXXX. DUPLICATE REPORTING VIOLATIONS- 15 U.S.C. 1681s-2 ( a ) The presence of XXXX separate Credit XXXX Bank XXXX XXXX different balances and statuses violates : SINGLE ACCOUNT REPORTING RULE : Same creditor can not report multiple versions of same debt ACCURACY REQUIREMENTS : Contradictory information can not both be accurate COMPLETENESS VIOLATIONS : Incomplete account relationship documentation XXXX. VERIFICATION FAILURES- 15 U.S.C. 1681i UNVERIFIABLE ACCOUNT RELATIONSHIPS : Can not verify which account is legitimate LACKING CHAIN OF TITLE DOCUMENTATION : No proof of account separation/relationship CONTRADICTORY STATUS REPORTING : Accounts show conflicting statuses for same creditor XXXX. FURNISHER ACCURACY OBLIGATIONS- 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) XXXX XXXXXXXX Bank has XXXX furnisher accuracy requirements by : Reporting potentially duplicate information Failing to clarify account relationships Creating consumer confusion through contradictory reporting SPECIFIC VIOLATIONS DUPLICATE REPORTING STATUTE VIOLATIONS : 15 U.S.C. 1681c ( a ) ( 4 ) - Prohibited information if accounts are same debt 15 U.S.C. 1681e ( b ) - Failure to maintain reasonable procedures 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ) - Inadequate investigation of account relationships 12 CFR 1022.42 - CFPB accuracy standards for furnishers DEMANDS I demand immediate investigation to determine : XXXX. XXXX. XXXX. XXXX. XXXX. XXXX. ACCOUNT RELATIONSHIP VERIFICATION - Are these separate accounts or duplicate reporting? 
CHAIN OF TITLE DOCUMENTATION - Provide proof of separate account origins BALANCE RECONCILIATION - Explain how same creditor has different balance amounts STATUS CLARIFICATION - Resolve contradictory account statuses DELETE DUPLICATE ENTRIES if accounts represent same underlying debt CONSOLIDATE ACCURATE INFORMATION if accounts are legitimately separate

Company response to consumer: Closed with explanation