Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax has yet to respond to their unjust actions against me and my consumer profile. 
I contacted the CFPB on XX/XX/2021 and reported that Equifax removed an account from my consumer profile on XX/XX/2021 because of the proof in my dispute, which I have attached again below. XXXX  and XXXX removed the account from my consumer report as well and it remains off because there is no proof of verification or validation. 

When I submitted my complaint to the CFPB, Equifax sent in a generic message to the CFPB not directly dealing with the situation. A few weeks later I received a credit report from them stating that they 'verified ' the account with absolutely no proof attached.. they are violating my consumer rights. 

I sent proof in to the CFPB that Equifax removed the account and still nothing has been done. 

Equifax reinserted the account onto to my consumer profile without any type of notice to myself and they did it without any proper verification or validation. 

According to FDCPA 15 USC 1681i ( 5 ) ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

Company response to consumer: Closed with explanation