Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

The credit reporting company reinserted previously deleted information 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. Requirements relating to reinsertion of previously deleted material. 

According to 15 USC 1681i, if a consumer disputes the accuracy of information on their credit report and the information is deleted as a result of the dispute, the information may not be reinserted unless the furnisher of the information certifies in writing to the accuracy of the information and provides the consumer with a notice of the reinsertion within 5 business days of reinserting the information.

I have not received any such certification or notice regarding the reinsertion of the information below and it should be removed from my credit report. That is a serious violation of the FCRA and I reserve the right to pursue further action. Therefore, I request that you investigate this matter and provide me with a copy of the certification, as well as any other relevant information related to the reinsertion. 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 consumer 's file disputing the accuracy or completeness of the disputed information.

Please furnish me with the required statements and data ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information.

( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days. 

Please send an updated copy of my credit report to the above address. According to the act, there should be no charge for this updated report. Thank you for your attention and assistance in resolving this matter. 

Accounts : 1. 
XXXX XXXX BANK Account Number : XXXX XXXX. 
XXXX XXXX BANK Account Number : XXXX