Consumer complaint received 2025-05-24 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: PA

Complaint narrative:
RE : FORMAL DISPUTE & DEMAND FOR REMOVAL OF INACCURATE ITEMS FCRA, UCC & CASE LAW To Whom It May Concern : This letter constitutes a formal dispute of inaccurate and unverifiable information reported on my credit file by Experian. I am exercising my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Uniform Commercial Code ( UCC ), and federal case law to request a proper reinvestigation and the removal of the following items that do not meet statutory reporting standards. 



DISPUTED ACCOUNTS : 1. XXXX XXXX XXXX XXXX ( XXXX ) I dispute the legal basis for reporting this account to the credit bureaus. 
No signed contract exists verifying any consumer debt obligation. 
Reporting by a government agency regarding child support debts is governed by separate statutes and must be accurate, complete, and timely which this entry is not. 
I request deletion unless full validation is provided under 15 U.S.C. 1681i ( a ). 
2. XXXX XXXXXXXX Inaccurate reporting of balance, payment history, or dates. 
No original signed agreement or validation has been provided. 
Dispute requires full reinvestigation and possible deletion under FCRA 1681i ( a ) ( 5 ) ( A ). 
3. XXXX XXXX XXXX I do not recognize this account and never opened it. 
The information is unverifiable and possibly fraudulent. 
You are required to remove unverifiable data under FCRA and UCC 3-501. 
4. XXXXXXXX XXXX I dispute the validity and accuracy of this account. 
No signed, enforceable agreement has been provided to validate the claim. 
Requesting full reinvestigation and deletion under FCRA 1681e ( b ).

LEGAL SUPPORT FOR REMOVAL : FCRA 1681i ( a ) : Experian must reinvestigate disputes within 30 days. 
FCRA 1681e ( b ) : Requires maximum possible accuracy of any data reported.

FCRA 1681c ( a ) : Prohibits obsolete information from remaining on file.

FCRA 1681i ( a ) ( 5 ) ( A ) : If unverifiable, information must be deleted.

CASE LAW & CLASS ACTIONS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Credit bureaus are liable for failing to conduct meaningful reinvestigations. XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Class action lawsuit addressing Experians failure to correct and remove erroneous items.

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Class action confirming that reporting inaccurate data without proper procedure violates FCRA.

XXXX XXXX Experian XXXX XXXX XXXX : Ongoing class action alleging widespread mishandling of consumer disputes.

UCC REFERENCE : UCC 1-201 ( b ) ( 20 ) : As the secured party of my name and identity, I dispute the unauthorized use of my personal credit.

UCC 3-501 & 3-502 : I hereby demand presentment of the original instrument and proof of claim for each alleged obligation.

DEMAND : I hereby request that Experian : 1. Delete the disputed accounts if they can not be verified with original, signed contracts.

2. Provide the results and method of your reinvestigation under 1681i ( a ) ( 6 ).

3. Send an updated copy of my credit report, free of charge, showing the removals.

Enclosed Documents : Copy of government-issued ID Proof of address ( utility bill or lease ) [ Optional : Any other supporting materials ] If Experian fails to comply, I will file complaints with the CFPB, FTC, and seek legal remedies under FCRA 1681n and 1681o for negligent or willful violations. 
XXXX : XXXX XXXX Ucc 1-201. I did not authorize any of these transactions to utilize my signature or name. This constitutes another violation as defined in 15 U.S.C. 1501.

Company response to consumer: Closed with explanation