Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint against the XXXX major credit bureaus ( TransUnion, Experian, and Equifax ) for : 1. Reinserting a Fraudulent Account Without Proper Notice : An account previously removed due to identity theft has been wrongfully reinserted into my credit report in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
XXXX. Inaccurate Reporting of XXXX XXXX XXXX XXXX XXXX XXXX account is being reported inconsistently across all three credit bureaus, violating 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy. 

Despite sending multiple dispute letters, including XXXX via certified mail on XX/XX/year> ( attached ), the bureaus have failed to correct these violations. I am requesting the CFPBs intervention to have this fraudulent and inaccurately reported account permanently removed and blocked from my credit reports. 

Key Issues & Violations XXXX. Unlawful Reinsertion of a Fraudulent Account This account was previously removed due to identity theft but was later reinserted without providing me proper written notice or documentation proving its validity. 
Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), a credit bureau must notify the consumer in writing within XXXX ( XXXX ) business days of reinserting an account, along with certification from the furnisher proving its accuracy. 
I received no such notice, meaning this reinsertion is unlawful and must be immediately reversed. 

XXXX. Inaccurate and Conflicting Reporting of XXXX XXXXXXXX The XXXX XXXX account is reported differently by each bureau : Equifax reports a {$0.00} balance, no late payments, and a charge-off of {$4800.00}.

Experian reports a {$5000.00} balance, late payments, and a charge-off. 
TransUnion reports a {$0.00} balance, late payments, and a charge-off of {$4800.00}. 

These inconsistencies violate 15 U.S.C. 1681e ( b ), which requires the bureaus to ensure maximum possible accuracy in consumer reports. If the data is inconsistent, at least XXXX or more of these bureaus is reporting false information, damaging my credit profile. 

XXXX. Additional Reporting Violations Repeatedly Reporting Charge-Offs : The account has been updated as a charge-off multiple times, which re-ages the account and unlawfully extends the statute of limitations for negative reporting ( 15 U.S.C. 1681c ). 
Failure to Report Accurate Balances : The account balance varies among credit bureaus, making it unclear whether it was paid, transferred, or settled. 
Failure to Identify Sale or Transfer of Debt : The bureaus do not specify whether this debt was sold or transferred, leaving a misleading status on my credit report.

Illegal Re-Aging of Delinquency Date : The date of first delinquency has been altered to extend the reporting period, violating 15 U.S.C. 1681c ( a ) ( 4 ), which limits how long negative items can be reported. 

Harm Caused These inaccurate and fraudulent reports have caused me : XXXX. Severe Credit Damage : The wrongful reinsertion and inconsistent reporting have lowered my credit score, making it difficult to obtain financial services.

2. Emotional and Financial Stress : The reappearance of a fraudulent account and repeated disputes have been mentally exhausting and financially damaging.

3. Loss of Trust in Credit Bureaus : Despite my previous disputes, the bureaus have failed to follow federal laws, further harming my credit reputation.

Company response to consumer: Closed with non-monetary relief