Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Im writing this because Ive absolutely had it with Equifax. Im not just frustratedIm furious. Equifax has reinserted XXXX accounts into my credit report that they had already DELETED and CONFIRMED as invalid. The accounts in question are : XXXX XXXX  ( account ending in XXXX ) and XXXX XXXX ( account ending in XXXX ). Lets get the facts straight. Equifax sent me a letter dated XX/XX/XXXX confirming the deletion of XXXX XXXX, and then again on XX/XX/XXXX confirming the deletion of XXXX XXXX. These werent vague acknowledgmentsthey were formal confirmations in writing and through their response to the CFPB on XX/XX/XXXX. So tell mewhy are these same accounts suddenly back and still on my credit report? And to make matters worse, when I disputed them again ( because obviously, they shouldnt be there ), Equifax responded on XX/XX/XXXX and had the audacity to call my dispute frivolous, citing that I had already disputed these items XXXX  in XXXX  days. 

XXXX they still havent fixed it! How dare they call my legitimate, fully documented dispute frivolous when THEY are the ones unlawfully re-reporting accounts you already confirmed as invalid? Thats not a duplicate disputeits their repeated failure to follow the law. Lets be clear about whats happening here : this isnt just some clerical errorthis is a series of ongoing legal violations. 

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii )- ( iii ) Equifax failed to notify me within XXXX business days of reinserting the accounts 15 U.S.C. 1681i ( a ) ( 7 ) Equifax never provided a description of the verification process used for the reinsertion 15 U.S.C. 1681e ( b ) XXXX  has already permanently deleted these same accounts, yet Equifax continues to report them. That proves Equifax is failing to ensure the maximum possible accuracy of the information, as required by law 15 U.S.C. 1681b There is no permissible purpose or written authorization for these reinsertions 15 U.S.C. 1666a Creditors and furnishers may not report delinquent or charged-off accounts if a billing error or dispute is unresolvedand this XXXX clearly is Also, let me be absolutely clear : I do NOT consent to the use of E-OSCAR or any automated XXXX-party platform to verify this information. That is not real verification. If you can not provide original account-level documentation, wet-signed contracts, and a full billing history, then this information has no legal basis to be on my report. 

This is not a request. This is a final demand. I want : these accounts permanently deleted from my Equifax credit report ; a detailed explanation of how they were verified ; the full name, address, and phone number of the data furnishers ; and copies of every single document Equifax received that supposedly justified reinserting these tradelines. 

I do not want them to send vague responses like we verified it or generic statements. If you dont have the proof, youre legally obligated to delete it. If Equifax can not resolve this matter immediately and lawfully, I am now asking XXXX  full support and enforcement to hold Equifax accountable for these ongoing violations. Im requesting their help to ensure these accounts are permanently removed and my consumer rights are fully enforced under federal law.

Company response to consumer: Closed with non-monetary relief