Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13834350

Complaint Overview

Complaint ID: 13834350

Company: Equifax, INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a company's investigation into an existing problem

Sub-Issue: Problem with personal statement of dispute

State: Louisiana

ZIP Code: 713XX

Date Received: 2025-06-01T12:00:00-05:00

Date Sent to Company: 2025-06-01T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

XX/XX/XXXX To : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Dispute - FCRA and XXXX XXXX XXXX Violations ; Demand for Deletion of Multiple Accounts Dear Experian, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the XXXX XXXX Credit Reporting Resource Guide ( CRRG ), demanding immediate investigation and permanent deletion of the below-referenced tradelines due to multiple FCRA and XXXX XXXX XXXX. Consumer Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identified FCRA and XXXX XXXX XXXX Violations XXXX XXXX. Inaccurate Reporting - 15 U.S.C. 1681e ( b ) and XXXX XXXX CRRG Base Segment : - Current Balance : {$73.00} ( reported as of XX/XX/XXXX ). - Past Due Amount : {$30.00}. - Account Status : " Account charged off, {$73.00} written off, {$30.00} past due as of XX/XX/XXXX '' ( XXXX XXXX Account Status Code XXXX - Charged Off ). - Violation : The XXXX XXXX XXXX requires accurate reporting in the Base Segment fields, including Current Balance and Amount Past Due. Reporting a {$30.00} past-due amount on a {$73.00} charged-off account is mathematically inconsistent and violates FCRA accuracy standards. Please provide documentation ( e.g., payment history, charge-off calculation ) to substantiate these figures. XXXX. Incomplete Reporting - 15 U.S.C. 623 ( a ) ( 5 ) and XXXX XXXX XXXX XXXX Segments : - Original Creditor Name field : Blank/Incomplete ( XXXX XXXX XXXX Segment XXXX Field XXXX ). - Purchaser of Account field : Blank/Incomplete ( XXXX XXXX XXXX Segment, Field XXXX ). - Terms and Conditions : Missing ( XXXX XXXX Base Segment, Terms Frequency/Duration ). - Violation : The XXXX XXXX XXXX mandates complete reporting of creditor and account transfer details. Failure to populate these fields violates FCRA and XXXX XXXX standards. XXXX. Unverifiable Information - 15 U.S.C. 1681i and XXXX XXXX CRRG Base Segment : - No documentation provided for debt validation. - Charge-off calculation methodology unsubstantiated ( XXXX XXXX Base Segment, Amount Written Off ). - Payment History Profile absent ( XXXX XXXX Base Segment, Payment History ). - Violation : Lack of supporting documentation renders this tradeline unverifiable under FCRA and XXXX XXXX CRRG requirements. XXXX. Potentially Obsolete Information - 15 U.S.C. 1681c ( a ) ( XXXX ) and XXXX XXXX XXXX Base Segment : - Last Payment Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Base Segment, Date of Last Payment ). - Violation : The XXXX XXXX XXXX requires verification of the Date of First Delinquency to ensure compliance with FCRAXXXX XXXX obsolescence period. Please provide this date to confirm the account is reportable. Required Actions for XXXX XXXX XXXX XXXX 1. Immediate and permanent deletion of the entire tradeline. 2. Issuance of an updated credit report reflecting the deletion. 3. Notification to all other credit bureaus of the deletion. 4. Cessation of all reporting on this account. -- - Dispute XXXX : XXXX XXXX XXXX XXXX XXXX Identified FCRA and XXXX XXXX XXXX Violations : XXXX. Duplicate Reporting - 15 U.S.C. 1681e ( b ) and XXXX XXXX XXXX Base Segment : - XXXX separate entries for the same creditor ( XXXX XXXX ) : - Entry XXXX : Date Opened XX/XX/XXXX ; Account Status : Open/Never Late ( XXXX XXXX Account Status XXXX XXXX ). - Entry XXXX : Date Opened XX/XX/XXXX ; Account Status : Closed, {$400.00} Written Off ( XXXX XXXX Account Status Code XXXX ). - Violation : The XXXX XXXX XXXX prohibits duplicate reporting of the same account under multiple tradelines. These conflicting entries with different dates and statuses violate FCRA accuracy standards. Please provide documentation ( e.g., account agreements ) to verify the legitimacy of both entries. XXXX. Inconsistent Account Logistics- XXXX XXXX XXXX Base Segment : - The same creditor can not logically have accounts opened in XXXX and XXXX with conflicting account numbers and statuses ( XXXX XXXX Base Segment, Date Opened and Account Status ). - Violation : This suggests unverifiable or erroneous reporting, requiring deletion of both tradelines under FCRA and XXXX XXXX standards. XXXX. Furnisher Violation - 15 U.S.C. 623 ( a ) ( XXXX ) ( B ) and XXXX XXXX XXXX : - The furnisher failed to maintain reasonable procedures to ensure accurate reporting, resulting in duplicate and conflicting XXXX XXXX Base Segment data. - Violation : Furnishing inconsistent information violates FCRA and XXXX XXXX CRRG requirements. Required Actions for XXXX XXXX : XXXX. Permanent deletion of both conflicting tradelines. XXXX. Investigation of the furnishers XXXX XXXX reporting procedures. XXXX. Issuance of an updated credit report confirming deletion. XXXX. Prevention of future reporting on these accounts. -- - Dispute XXXX : XXXX, Account # XXXX Identified FCRA and XXXX XXXX XXXX Violations : XXXX. Incomplete Required Fields - 15 U.S.C. 623 ( a ) ( 5 ) and 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 Base Segment, Credit Limit ). - Credit Usage : Blank, showing - ( XXXX XXXX Base Segment, Actual Payment Amount ). - Violation : The XXXX XXXX XXXX mandates complete reporting of these fields. Missing data violates FCRA accuracy standards. XXXX. Unverifiable Account Status - 15 U.S.C. 1681i and XXXX XXXX XXXX Base Segment : - Highest Balance : {$240.00}, with no supporting documentation ( XXXX XXXX Base Segment, High Credit ). - Last Payment Date : XX/XX/XXXX, unsubstantiated ( XXXX XXXX Base Segment, Date of Last Payment ). - Terms : 1 Month, lacking sufficient detail ( XXXX XXXX Base Segment, Terms Duration ). - Violation : Absence of supporting documentation renders the account status unverifiable under FCRA and XXXX XXXX standards. XXXX. Furnisher Non-Compliance - 15 U.S.C. 1681s-2 ( a ) and XXXX XXXX XXXX : - Missing required XXXX XXXX XXXX elements ( e.g., Account Status Codes, Payment History Profile ). - Failure to provide complete account history. - Violation : The furnishers incomplete reporting violates FCRA and XXXX XXXX CRRG requirements. Required Actions for CURRENTXXXX : XXXX. Immediate and permanent deletion of the tradeline due to incomplete data. XXXX. Investigation of the furnishers compliance with XXXX XXXX CRRG standards. XXXX. Issuance of an updated credit report reflecting the deletion. XXXX. Notification that the account can not be re-reported without complete and accurate XXXX XXXX data. -- - Legal Demands Under FCRA for All Disputes : - Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Conduct a reasonable reinvestigation of all disputed information within 30 days. - Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Delete each tradeline if it can not be verified as complete and accurate. - Pursuant to 15 U.S.C. 1681e ( b ) : Follow reasonable procedures to ensure maximum possible accuracy. - Pursuant to 15 U.S.C. 1681s-2 ( b ) : Notify each furnisher of the disputes and investigate their XXXX XXXX reporting procedures. - Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) : Provide written results of the reinvestigation for each dispute, including a description of the investigation procedures and XXXX XXXX compliance verification. Legal Notice : Failure to comply with FCRA and XXXX XXXX CRRG requirements constitutes willful non-compliance under 15 U.S.C. 1681n, subjecting Experian to statutory damages of {$100.00} {$1000.00} per violation, punitive damages, and attorneys fees. Please send all correspondence to the address above. Enclosed are copies of my identification and proof of address to verify my identity. Additionally, please provide each furnishers contact information for further dispute under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ). Sincerely, XXXX XXXX

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