Consumer complaint received 2025-05-19 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: GA

Complaint narrative:
This is a formal complaint against Equifax for repeatedly violating the Fair Credit Reporting Act ( FCRA ) through : Unlawful reinsertion of previously disputed, unverifiable accounts Failure to provide proper notice under FCRA 611 ( a ) ( 5 ) ( B ) Publication of legally excluded data under FCRA 1681a ( d ) ( 2 ) ( A ) ( i ) Negligent handling of a confirmed data breach involving my consumer file I had previously disputed inaccurate and unverifiable tradelines linked to XXXX XXXXXXXX, XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX ( XXXX ). These items were at one point corrected or removed, but Equifax reinserted them without notifying me in writing within five business days, which violates FCRA 611 ( a ) ( 5 ) ( B ) ( ii ).

Worse, these tradelines reappeared with inconsistent account statuses, balances, dates, and reporting fields. Equifax made no effort to verify the accuracy, failed to reinvestigate in good faith, and continues to present this information in a misleading and defamatory way harming my credit profile.

Equifax is also knowingly reporting internal creditor-consumer transactions such as late payments and charge-offs as derogatory in violation of FCRA 1681a ( d ) ( 2 ) ( A ) ( i ), which excludes : Any report containing information solely as to transactions or experiences between the consumer and the person making the report.

Congress intentionally excluded late payments and internal experience data from being labeled as negative credit reporting events unless tied to third-party action ( e.g. collections, litigation, bankruptcy ). Equifax has no basis to report these accounts as derogatory.

In addition, I submitted a TRAFFIC BLOCK request under FCRA 605B for unverifiable and fraudulent entries. Equifax failed to implement the block within the required 4 business days, violating 605B ( c ).

Lastly, I now have confirmation of a data breach involving my consumer file. Previously deleted accounts were reinserted without cause, consent, or verification. This confirms that my file was either accessed, altered, or exposed without authorization. Equifax has never disclosed any breach or provided a list of parties who accessed my file. This is a direct breach of data privacy and federal consumer protections under FCRA and GLBA. 

CRITICAL ACCOUNT VIOLATIONS : A. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reinserted after deletion with no notice Status conflicts : Closed ( XXXX ) XXXX XXXX ( XXXX ) Balance discrepancies : {$180.00} ( XXXX  ) vs $ XXXX {$140.00} ( XXXX ) High credit inconsistent : {$470.00} vs {$300.00} No 1099-C issued for charge-off Reported as Current but marked as derogatory B. XXXX XXXXXXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reinserted with inconsistent high credit : {$2000.00} ( XXXX ) vs {$0.00} ( XXXX ) XXXX incorrectly uses high credit field to show credit limit Account previously resolved, now falsely reinserted Payment data mismatched across all 3 bureaus XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High balance conflict : {$45000.00} ( XXXX ) vs {$23000.00} ( XXXX ) Account reported as closed & charged off, but no collection activity Balance remains identical for 12 months shows no payment or update No debt validation, no 1099-C, no permissible purpose for continued reporting

Company response to consumer: Closed with non-monetary relief