Consumer complaint received 2025-04-17 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: LA

Complaint narrative:
XXXX XXXX DISPUTE LETTER : COMPREHENSIVE FCRA VIOLATIONS & METRO 2 NON-COMPLIANCE XXXX XXXX XXXX XXXX  DATE : * * XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Certified Mail, Return Receipt Requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX LA, XXXXXXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX EMAIL : XXXX * * RE : * * REPORT # XXXX - MULTIPLE ACCOUNT VIOLATIONS -- - # # NOTICE OF DISPUTE : SYSTEMIC FCRA VIOLATIONS & METRO 2 NON-COMPLIANCE This correspondence constitutes my formal dispute under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., regarding multiple accounts on my Experian credit report containing significant violations that render them inaccurate, misleading, and unverifiable.

# # LEGAL BASIS AND REGULATORY CONTEXT I call your attention to the ongoing CFPB lawsuit against Experian which specifically alleges " sham investigations '' where Experian " did not take sufficient steps to intake, process, investigate, and notify consumers about disputes, '' conducts that appear to be directly occurring in my case. Furthermore, the CFPB alleges Experian has engaged in " improper reinsertion of information '' on consumer reports after prior removal, which is precisely what appears to have happened with my XXXX account. 

Additionally, I note that the Fair and Accurate Credit Transactions Act of XXXX  explicitly strengthened consumer protections regarding dispute resolution procedures and prohibited the reinsertion of previously deleted information without strict verification requirements - requirements that appear to have been ignored in my case. 

# # DISPUTED ACCOUNTS AND SPECIFIC VIOLATIONS # # # ACCOUNT XXXX : * * Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : * * XXXX * * Status : * * Paid, Closed * * Status Updated : * * XX/XX/XXXX * * XXXX 2 FORMAT VIOLATIONS : * * 1. * * BASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account shows " Paid, Closed '' status but payment history displays late payments after closure date, creating direct contradiction in the Base Segment data fields. 

XXXX. * * PAYMENT HISTORY PROFILE SEQUENCE ERROR * * Payment grid shows delinquency codes followed by " XXXX '' ( Closed ) in contradiction to Metro 2 Format sequencing requirements.

* * FCRA VIOLATIONS : * * 1. * * 1681e ( b ) ACCURACY VIOLATION * * Contradictory status information violates Experian 's obligation to maintain maximum possible accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * Status : * * Paid, Closed * * Status Updated : * * XX/XX/XXXX * * XXXX XXXX XXXX VIOLATIONS : * * XXXX. * * DUPLICATE ACCOUNT REPORTING VIOLATION * XXXX XXXX XXXX XXXX  XXXX show identical balances ( {$530.00} ), same terms ( 12 Months ), and similar details, violating Metro 2 prohibition against duplicate tradeline reporting.

* * FCRA VIOLATIONS : * * 1. * * 1681s-2 ( a ) ( XXXX ) DUPLICATE ACCOUNT REPORTING * * Multiple reporting of the same debt artificially inflates negative information, creating a materially misleading report. 

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 XXXX XXXX XXXXXXXX XXXX XXXX * * Status : * * Collection account, {$1000.00} past due as of XX/XX/XXXX * * Status Updated : * * XX/XX/XXXX * * XXXX XXXX FORMAT VIOLATIONS : * * XXXX. * * BASE SEGMENT DATE FIELD CONTRADICTION * * Status updated in XX/XX/XXXX but reports past due as of XX/XX/XXXX, creating an impossible chronological contradiction. 

XXXX. * * COLLECTION SEQUENCE VIOLATION * * No evidence of proper delinquency sequence prior to collection status as required by Metro 2 Format.

* * FCRA VIOLATIONS : * * 1. * * 611 ( a ) ( 5 ) ( B ) IMPROPER REINSERTION * * The comment " Account information disputed by consumer '' indicates this account was previously disputed, yet it reappears with unresolved violations - precisely the type of improper reinsertion activity currently under CFPB investigation.

2. * * 623 ( a ) ( 5 ) RE-AGING VIOLATION * * The account shows status from XXXX with current past due amounts in XXXX, suggesting improper re-aging to extend reporting periods. 
# # LEGAL DEMANDS UNDER FCRA I demand that XXXX  fulfill its obligations under FCRA 611 by : 1. Immediately flagging all disputed accounts 2. Conducting a genuine investigation - not the " sham investigations '' alleged by the CFPB 3. Providing written details of investigation methods for each account XXXX. Ceasing the " excessive reliance on furnishers ' responses without proper investigation '' identified in the CFPB lawsuit XXXX. Removing all inaccurate information and preventing its reinsertion XXXX. Providing complete results within 30 days The XXXX account appears to be a clear example of the " improper reinsertion of previously deleted information '' that the CFPB has specifically identified in its enforcement action against Experian. 

# # CERTIFICATION AND NOTICE OF RIGHTS RESERVATION I certify under penalty of perjury that the information provided in this dispute is true and accurate to the best of my knowledge. 

I reserve all rights to pursue further remedies under the FCRA, including seeking damages for willful non-compliance under XXXX and negligent non-compliance under XXXX if these violations are not properly addressed. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX * * 1. Copy of XXXX  Credit Report # XXXX XXXX. Documentation of previous dispute activities XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Federal Trade Commission

Company response to consumer: Closed with explanation