Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
FORMAL FCRA DISPUTE ILLEGAL POST-SALE REPORTING CLOSED ACCOUNT VIOLATIONS Date : XX/XX/XXXX From : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Phone : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account No. : XXXX To Whom It May Concern, This letter serves as a formal dispute and demand for reinvestigation under the Fair Credit Reporting Act ( FCRA ) regarding the XXXX XXXX XXXX account listed above, which is being reported inaccurately and unlawfully on my Experian credit report. 

ACCOUNT STATUS DISPUTE VEHICLE SOLD/ NO LONGER OWED The vehicle associated with this Santander account was sold, and as a result, I no longer owed the vehicle. Despite this, XXXX is improperly reporting the account as : Closed with a balance Charged off Continuing monthly payment history after closure This reporting is false, misleading, and legally impermissible.

Once a vehicle is sold and the account is closed, the furnisher may not continue to report monthly payment activity, delinquency statuses, or a revolving balance as though the account remains active.

ILLEGAL REPORTING VIOLATIONS IDENTIFIED Santanders reporting violates multiple FCRA requirements, including but not limited to : 1. Reporting Monthly Payments on a Closed Account Reporting monthly payment obligations on a closed account is inaccurate and deceptive and violates : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy Metro-2 reporting standards, which prohibit ongoing payment status on closed installment accounts 2. Improper Charge-Off Reporting A charge-off does not authorize continued monthly delinquency reporting after account closure. Any charge-off must reflect : A single, accurate charge-off event A correct Date of First Delinquency ( DOFD ) No recurring monthly delinquency entries Continued reporting of delinquent payment history after charge-off is re-aging and is strictly prohibited.

3. Closed Account With a Balance Inaccurate Status If XXXX claims a balance remains, Experian must require XXXX to produce : A final accounting after sale of the vehicle Proof of how the balance was calculated Documentation showing legal authority to report a remaining balance Absent this documentation, the balance is unverifiable and must be deleted. 

FORMAL DEMAND FOR REINVESTIGATION & VALIDATION Pursuant to FCRA 611 ( 15 U.S.C. 1681i ), I demand that Experian : Conduct a reasonable reinvestigation Require Santander to provide competent, documentary proof, including : Final post-sale accounting Original contract Date of vehicle sale Accurate DOFD Metro-2 compliant reporting records Automated or summary verification is not sufficient.

LEGAL AUTHORITY This dispute is governed by the following federal statutes : 15 U.S.C. 1681e ( b ) Reasonable procedures/ maximum possible accuracy 15 U.S.C. 1681i ( a ) Duty to reinvestigate and delete unverifiable information 15 U.S.C. 1681s-2 ( b ) Furnishers duty to investigate disputed data 15 U.S.C. 1681n Civil liability for willful noncompliance 15 U.S.C. 1681o Civil liability for negligent noncompliance DEMAND FOR CORRECTION OR DELETION If XXXX can not fully verify the accuracy of this account as reported, including the alleged balance and payment history after the vehicle was sold, Experian must : Delete the account entirely, or Correct it to reflect : Closed / {$0.00} balance No monthly payment history after closure No ongoing delinquency REQUIRED RESPONSE Within the timeframe mandated by law, please provide : Results of your reinvestigation Written confirmation of corrections or deletion An updated Experian credit report All correspondence must be sent in writing to the address listed above.

This letter is sent in good faith to resolve unlawful reporting. Continued failure to correct this account may result in legal action under the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation