Consumer complaint received 2025-07-11 00:00:00
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.
State: CA

Complaint narrative:
I am filing this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by credit reporting agencies ( CRAs ) and/or furnishers. Despite the submission of an official FTC Identity Theft Report, several fraudulent accounts that had been previously deleted have now been reinserted on my credit report without proper notice or compliance with FCRA regulations. 



FCRA Violations : XXXX. FCRA XXXX ( a ) ( XXXX ) ( B ) Failure to Provide Reinsertion Notice CRAs are required to notify the consumer within XXXX business days of any reinsertion of previously deleted information and must include the furnishers name, address, and phone number. No such notice was provided to me. 

XXXX. FCRA XXXX Failure to Block Identity Theft Accounts Upon receiving a valid Identity Theft Report, the CRAs are obligated to block and exclude fraudulent accounts from credit files. The accounts listed below have been reinserted in direct violation of this law. 

XXXX. FCRA XXXX ( a ) XXXX of XXXX I was denied access to the required information about the reinserted accounts, including the sources and validation of the reinsertion. 



Fraudulent Accounts Reinserted : XXXX Bank Account ending in XXXX  Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXXXXXX XXXX XXXX XXXX Account XXXX-XXXX  Fraud XXXX XXXX XX/XX/XXXX | Discovered : XX/XX/XXXX XXXX  Account ending in XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX These accounts are clearly the result of identity theft and were previously removed but now appear again on my credit report without lawful cause or notice. 



Additional Misuse of Personal Information : The following data also appears fraudulently on my credit file : Names : XXXX XXXX, XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Employment : XXXX XXXX XXXX, Podium I did not authorize any reporting of this information, and its appearance has caused reputational and credit-related harm. 



Requested Resolution : XXXX. XXXX and permanent deletion of all fraudulent accounts and unauthorized personal data from all CRAs ( Equifax, Experian, TransUnion ). 
XXXX. A written explanation from each CRA including : The identity and contact information of the furnishers, The reason the accounts were reinserted, Why I was not properly notified under FCRA XXXX ( a ) ( XXXX ). 
XXXX. A permanent block on the reinsertion of these accounts unless the furnishers meet all legal requirements including certification and written consumer notice. 
XXXX. A full CFPB investigation into the reporting agencies and furnishers for possible willful or negligent FCRA violations. 
XXXX. Optional : I reserve the right to seek monetary damages under : FCRA XXXX for willful noncompliance, and FCRA XXXX for negligent failure to comply. 



Attached Supporting Documentation : FTC Identity Theft Report XXXX XXXX I respectfully request the XXXX full investigation and enforcement of consumer protections under the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation