Consumer complaint received 2017-12-27
Company: EQUIFAX, INC.
State: TX
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:
XX/XX/XXXXEquifax XXXXnformation Services XXXX. XXXX XXXX XXXX, GA XXXX Re : Account ( s ) :  ERRORNEOUS ACCOUNTS LISTED ON MY CREDIT REPORT My Social Security number is : XXXX My date of Birth is : XXXX Dear Sir or Madam ; I disputed the referenced accounts in XX/XX/XXXX. The credit report that was sent to me 30 days later showed that these items were deleted from the credit file. Now I notice these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as shown 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 XXXX 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. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. 

On XX/XX/XXXX I applied for a mortgage and was denied due to errors on my credit report. I am writing to Equifax to have these items removed simply because they do not belong to me. If these items are not removed from my credit file immediately, I will sue Equifax and all involved for false reporting. Equifax has all of my information listed in my credit file with their Bureau. I provided proof months ago that these accounts were not mine and Equifax removed them. Now they are back on my credit report. 

The following needs to be removed immediately for I have never had these accounts : XXXX - Acct # XXXX NOT MINE XXXX Acct # XXXX NOT MINE XXXX Acct # XXXX NOT MINE XXXX Acct # XXXX NOT MINE XXXX Acct # XXXX NOT MINE XXXX Acct # XXXX NOT MINE XXXX Acct # XXXX NOT MINE XXXX XXXX NOT MINE Also the address at XXXX XXXX XXXX, XXXX, TX XXXX is not mine either. I have never lived at this address and therefore this address needs to be promptly removed from my credit fle. I have never ever had that address. 

I have provided proof that these items have been reinserted onto my Equifax credit file illegally. THESE ACCOUNTS DO NOT BELONG TO ME AND THEY NEED TO BE REMOVED IMMEDIATELY. 


Thank you

Company response to consumer: Closed with explanation