Consumer complaint received 2021-03-29
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is in regards to account number XXXX. To Whom It May Concern : Equifax recently deleted this account from XXXX XXXX XXXX on XXXX when they investigated the account and saw it was fraudulently added to my credit report. Now, XXXX XXXX XXXX has illegally added this to my credit report again claiming I owe {$320.00}. 
Furthermore, XXXX  also investigated this account a few months ago and removed it from my credit report on XXXX. 
XXXX XXXX XXXX has been illegally trying to add this item to my credit report for years under different names for XXXX XXXX which is not my account. If you continue to go through my file you will find the following details. 
Equifax responded back on XXXX to the Consumer Financial Protection Bureau ( Complain ID XXXX ) that it had also deleted XXXX XXXX ( XXXX XXXX XXXX ) Account # XXXX that Equifax deleted this from my credit report. 
Before that Equifax had also mailed me on XXXX stating that they had no records on file for the two previous XXXX XXXX files and that it had also deleted the account of XXXX XXXX XXXX # XXXX. 
Additionally, on XXXX I disputed this account which was originally reported by XXXX XXXX XXXX XXXX account number XXXX for a debt they are claiming I owe XXXX XXXX and reported it to my XXXX  Credit Report. 
XXXX  looked into the investigation as well and informed me that they removed this account on XXXX account XXXX and amount of {$320.00} and had it deleted from my credit report. 
XXXX XXXX XXXX XXXX ( XXXX XXXX ) illegally added this back to my credit report back on XXXX so I then disputed it again by writing XXXX  on XXXX claiming I owe XXXX XXXX under my Social Security number. 
After their investigation XXXX wrote me on XXXX to inform me that this was deleted from my report. 
Furthermore on XXXX XXXX  also responded to the Consumer Financial Protection Bureau that it had deleted XXXX XXXX ( XXXX XXXX ) # XXXX from my XXXX credit report. 
XXXX  also responded to the Consumer Financial Protection Bureau ( Complaint ID XXXX XXXX ) on XXXX that it had also did not leave the account on my credit report from XXXX  XXXX ( XXXX XXXX ) # XXXX. Again, XXXX  stated that that the disputed information no longer appeared on my credit report. 
Now again the same company XXXX XXXX account number XXXX is trying to illegally add the same creditor XXXX XXXX XXXX under a new name back to my credit report under a new account number and the same amount of {$320.00} At this point when you review the evidence, you'll see that the account numbers do not match for the original accounts nor does the name match for the previous accounts that were deleted. Moreover, this is one of many reasons why these were DELETED and removed in the first place. 
Furthermore, if you look at my report with XXXX  versus my report with XXXX  and Equifax, they are being reported under two totally separate companies with different addresses. 
Moreover, now I have discovered that the items have been reinserted on my credit report under a fraudulent account number and name. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer 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. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX. 

Please govern yourself accordingly. 
XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation