Consumer complaint received 2018-02-15
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
This item was disputed by the credit bureaus in XX/XX/2017 and was deleted off of Equifax. In XX/XX/XXXX the item was added back on my Equifax report along with several other items that was deleted off the report. Those items include XXXX XXXX, XXXX XXXX and XXXX XXXX. Both of these items were removed and deleted but failed to reach out to me and supply me with a letter advising that the item would be reinserted back within 5 days. 
I have reached out to Equifax because they failed to advise me in writing within 5 days of inserting the items back on my report. When contacting Equifax by phone as well as letter they have failed to provide me with validation and anything to advise me that these accounts were being reinserted back on my credit report. I was told by Equifax that they dont care if it was already deleted that they can reinsert anything they wish. This is incorrect and against the FCRA. I was supposed to recieve a letter advising that Equifax was going to reinsert information back on my report and I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. *Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. *If any information that has been deleted from a consumer 's 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. 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 no later than 5 business days after the reinsertion date. ( 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 consumer 's file disputing the accuracy or completeness of the disputed information.

Company response to consumer: Closed with explanation