Consumer complaint received 2017-02-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax recently reported a negative item on my credit report for XXXX. This item was discovered on XX/XX/XXXX. It is the credit reporting agency 's responsibility to ensure Reasonable procedures. Section 602 for the Fair Credit Reporting Act clearly outlines this responsibility It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. XXXX Agreed to remove any negative information from my credit reports. In turn, it appears that XXXX removed the negative information from XXXX and XXXX, however newly reported this item to Equifax. Equifax is a consumer reporting agency and in accordance with 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] of the Fair Credit Reporting Act credit reporting agencies have a responsibility is to report information the is 100 % Accurate 100 % Complete and 100 % Verifiable. If in fact Equifax were following these procedures, this information would have been verified with the company ; prior to placing this information on my credit report. This information was not verified ; because if it in fact was verified ; XXXX would have told them that they should not be reporting this negative tradeline. You have a responsibility as per section 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] to treat Inaccurate or Unverifiable Information accordingly. I have outlined this below : Treatment of Inaccurate or Unverifiable Information ( 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. Furthermore, if this item appeared on my credit report in the past ; the following steps were not taken to reinsert this item to my report. ( 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 have attached a copy of the BBB complaint where the company agreed to remove any and all negative listings from my credit report.

Company response to consumer: Closed with explanation