Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Subject : Complaint Against XXXXXXXX XXXX XXXX, and XXXX XXXX for Violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) I am submitting this formal complaint regarding the inaccurate reinsertion of an account ( XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) previously deleted from my credit report and purchased by XXXX XXXX  from XXXX XXXX XXXX This reinsertion violates several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Background : Account Information : The account in question is a XXXX XXXX account that was deleted from my credit report. However, XXXX XXXX, which purchased the account, has reinserted it, despite failure to properly validate the debt and provide proper documentation. 
Violation of FCRA : Equifax and XXXX Funding failed to meet the standards required by FCRA Sections 609, 611, and 1681e ( b ) regarding the accuracy and reinvestigation of disputed information. 
FDCPA Violation : XXXX XXXX violated FDCPA Sections 809 and 807, as they failed to validate the debt and provided misleading representations regarding the ownership and status of the account. 
Legal Grounds : Fair Credit Reporting Act ( FCRA ) Violations : Section 609 ( 15 U.S.C. 1681g ) - Disclosure of Information : Equifax failed to provide accurate disclosures regarding the reinsertion of the XXXX XXXX account. I have not received the requisite documentation or information verifying the legitimacy of the reinsertion. 
Section 611 ( 15 U.S.C. 1681i ) - Reinvestigation of Disputed Information : Equifax failed to conduct a thorough reinvestigation of the disputed account after it was deleted and then reinserted by XXXX XXXX. As established in XXXX v. Equifax Information Services, LLC ( XXXX ), the courts emphasize the need for an in-depth reinvestigation, which Equifax has neglected. 
Section 1681e ( b ) - Duty to Ensure Maximum Accuracy : Equifax failed to follow reasonable procedures to ensure maximum possible accuracy of my credit report, as further supported by the ruling in XXXX XXXX XXXX XXXX ( XXXX ), which held CRAs accountable for ensuring the accuracy of information obtained from their subscribers. 
Fair Debt Collection Practices Act ( FDCPA ) Violations : Section 809 ( 15 U.S.C. 1692g ) - Validation of Debts : XXXX XXXX failed to provide proper debt validation upon my request, as required under this section. They must provide documentation that substantiates their claim of ownership of the debt and its accuracy. 
Section 807 ( 15 U.S.C. 1692e ) - False or Misleading Representations : XXXX XXXX misrepresented the status and ownership of the debt, potentially leading to a misleading and inaccurate reporting of the account on my credit report, as established in XXXX v. XXXX  ( XXXX ), where the court ruled that verifying information with the original source is insufficient once the consumer disputes an item.

Company response to consumer: Closed with explanation