Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
Dear Experian Dispute Department, I am writing to formally dispute the accuracy and completeness of certain information contained in my Experian consumer report dated XX/XX/XXXX. This letter is issued pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related consumer protection statutes.

1. Late Payment Disputes The following accounts are reporting late payments. Pursuant to 15 U.S.C. 1666b ( a ), a creditor may not treat a credit card account payment as late unless it has adopted reasonable procedures to ensure that each periodic statement required by 15 U.S.C. 1637 ( b ) was mailed or delivered not later than 21 days before the due date. 

I demand that Experian obtain and provide documentary proof from the furnishers that such statements were mailed or delivered within the statutory 21-day period for each of the disputed late payments. Statements alone do not constitute lawful validation unless tied to mailing records, internal ledgers, and certified proof of delivery. 

XXXX Dept XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Experian can not obtain such documentation, these late notations must be deleted immediately. 

XXXX. Collection Account Dispute The following collection account is inaccurate and unverifiable : XXXX XXXX XXXX Acct # XXXX ( Original Creditor : XXXX XXXX XXXX  ) Pursuant to 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681i, I demand full validation including : The original wet-ink signed credit application. 

A complete and unbroken chain of assignment from the original creditor to the present collector. 

The original contract and billing statements that substantiate the alleged debt. 

Unless Experian receives and provides this documentation, this collection account must be deleted in its entirety. 

XXXX. Inquiry Disputes The following hard inquiries are unauthorized and must be removed as they are not tied to any account I recognize : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX All other inquiries must be deleted immediately as unverifiable.

4. Notice of Liability If any of the above disputed items are verified without furnishing the complete legal proof demanded herein, I will consider such verification a willful violation of the FCRA and FDCPA. Be advised that I will pursue legal remedies including arbitration and/or litigation against Experian and any furnisher who validates inaccurate information.

Demand for Action Delete or correct all inaccurate late payments, unverifiable collection accounts, and unauthorized inquiries. 

Provide me with copies of all documentation relied upon in any verification. 
Ensure compliance with 15 U.S.C. 1666b, 1681i, and 1692g.

I expect your reinvestigation and response within the statutory 30-day period. 

Respectfully, XXXX XXXX XXXX DO NOT SEND ME A STALL LETTER..... MY ID AND PROOF OF ADDRESS IS ATTACHED DO NOT SEND ME A LETTER ASKING FOR WHAT YOU ALREADY HAVE.

Company response to consumer: Closed with non-monetary relief