Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate and previously deleted information that has reappeared on my credit report. This information had been disputed and subsequently removed, with confirmation provided that it would be permanently deleted from my file. However, upon recent review of my credit report, I have discovered that the same information has been reinserted without proper notification or justification. 

Under the Fair Credit Reporting Act ( FCRA ), if a credit bureau chooses to reinsert previously deleted information, they are required to notify the consumer in writing within XXXX business days of the reinsertion. I have received no such notification, which constitutes a violation of my rights under federal law. 

I am requesting that this matter be investigated promptly and that the information be permanently removed from my credit file. I am also requesting written confirmation of the removal and a detailed explanation as to why this information was reinserted without proper notice or cause. 

Please let me know what additional documentation you require from me to expedite this investigation. 

To : Credit Reporting Agencies Subject : Request for Deletion of Unverified Account Due to XXXX Deletion Dear Credit Reporting Agencies, I am writing to formally request the immediate removal of an Ally Financial charge-off account in the amount of {$23000.00} from my credit report. This account, which I previously disputed, was deleted from my XXXX credit report following their completed investigation on XX/XX/year>. XXXX deletion of this account confirms that the information is unverifiable, and as such, you are obligated to do the same under federal consumer protection laws. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to ensure that the information they report is accurate and verifiable. Since XXXX has determined that this account can not be verified and has removed it entirely, it is now your responsibility to reflect this deletion on my credit report. The FCRA also protects consumers by mandating that unverifiable accounts be removed. Under FCRA 609 and 611, credit reporting agencies must delete any information that can not be confirmed as accurate within XXXX  days of a dispute. I urge you to investigate this matter promptly and remove the XXXX XXXX account from my credit file within this time frame. Should you fail to comply, FCRA 616 and 617 provide me with the right to take legal action against any credit reporting agency that fails to meet its legal obligations. Non-compliance with this request may result in legal action to seek damages for inaccurate reporting and failure to adhere to federal law. For your convenience, I have included a copy of my XXXX credit report confirming the deletion of this account. I request that you provide written confirmation once the account has been removed or provide documentation substantiating its accuracy and validity if you choose not to remove it. If this issue is not resolved within the legally mandated XXXX period, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may explore additional legal remedies. Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with non-monetary relief