Consumer complaint received 2025-06-01 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: PR

Complaint narrative:
I recently reviewed my Consumer Report for the month of XX/XX/XXXX. I noticed that your company EQUIFAX reinserted previously removed accounts from XXXXXXXX XXXX XXXX  and XXXX XXXX. The Fair Credit Reporting Act ( FCRA ) prohibits consumer reporting agencies from reinserting account information that was previously removed from a consumer 's credit report due to a dispute. This is a violation of 15 US CODE 1681i Procedure Incase of disputed accuracy and 15 US CODE 1681e-Compliance Procedures. Your company EQUIFAX refuses to recognize an unlawful reporting on my Consumer Report according to 15 US CODE 1681a ( 2 ) ( A ) Definitions ; rules of construction Section 2 - Exclusions subsection A subsection in - reports containing information solely as to transactions or experiences between the consumer and the person making the report. Your company expresses a Wilful Non Compliance in accordance with 15 US CODE 1681n Civil Liability for Non Compliance by continuing to deny the law as it applies to consumer rights. The reporting of EXCLUSIONS on my Consumer Report by your company EQUIFAX is unlawful. Your company EQUIFAX is in complete violation of all compliance procedures as it fails to follow proper procedure according to 15 US CODE 1681e - Compliance procedures Your company EQUIFAX continues to wilfully ignore all consumer law under the FCRA ( FAIR CREDIT REPORTING ACT ) as well as my rights as a consumer. If your wilful noncompliance by your company EQUIFAX continues I will exercise my right to pursue and collect damages up to {$1000.00} from your company EQUIFAX for its wilful non-compliance according to 15 US CODE 1681n Civil Liability for Willful Noncompliance. Therefore, legal documents with an affidavit pursuing damages will be sent to your company EQUIFAX immediately and forwarded to the CFPB and FTC.

Here are the accounts by name and account number XXXX XXXX XXXXXXXX, 30 DAYS PAST DUE ; XX/XX/XXXX, XXXX60 DAYS XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, 30 DAYS PAST DUE, XX/XX/XXXX I am demanding the following EXCLUSIONS listed above are removed from any and every Line Item listing the account numbers of these accounts be removed immediately from my EQUIFAX Consumer Report. The laws fully supporting my demands are listed below as follows : 15 US CODE 1681i Procedure In case of disputed accuracy 15 U.S. CODE 1681a - Definitions ; rules of construction Section 2 - Exclusions subsection A subsection in - reports containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S. CODE 1681e - Compliance procedures 15 U.S. CODE 6802 Obligations with the respect of disclosure of personal information : ( b ) OPT OUT ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. CODE 1681b - Permissible purposes of consumer reports 15 U.S. CODE 1681n, - Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me.

Send an updated copy once the item disputed has been removed. I appreciate your immediate response and attention to this matter and corrected service of my Consumer Report.

Company response to consumer: Closed with explanation