Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and unfair credit reporting practices by Experian, Transunion, and Equifax. An account with XXXX XXXX XXXX ( Account XXXX  XXXX ), which was previously deleted from my credit reports, has been reinserted without my knowledge or consent. I dispute the validity of this reinsertion and request an investigation into this matter, as I never received the required XXXX reinsertion notice as mandated by the Fair Credit Reporting Act ( FCRA ) under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ). Additionally, this account was scheduled to fall off my credit report in XX/XX/year> due to the expiration of the reporting period, and its reappearance is unjustified. XXXX. The XXXX, XXXX account was removed from my credit reports with Experian, Transunion, and Equifax following a successful dispute I filed earlier. The deletion was confirmed, and I received notification that the account was no longer part of my credit history. XXXX. Recently, upon reviewing my credit reports, I discovered that the same XXXX XXXX XXXX account has been reinserted. This reappearance occurred without any prior notification or the required XXXX written notice from the credit bureaus or XXXX, XXXX XXXX XXXX me of the intent to reinsert the account. XXXX. Under the FCRA, credit bureaus are required to notify consumers in writing at least XXXX business days before reinserting previously deleted information, unless the consumer has agreed otherwise. I have not received any such notice, and no agreement was made to allow this reinsertion. 
XXXX. The account in question should no longer be reported on Experian, Transunion, nor Equifax as it was scheduled to fall off my credit report in XX/XX/year>, which is the standard XXXX reporting period from the date of the first delinquency. Also, XXXX asking for it to be removed from my tenant screening as well. The reinsertion of this outdated information is a violation of FCRA guidelines ( XXXX XXXX. XXXX ). XXXX. I have been harassed by an individual named XXXX from XXXX XXXX XXXX, who claimed the debt was verified. However, the account was deleted from my credit reports, and the associated address, XXXX XXXX XXXX XXXX XXXX, has also been removed, indicating no valid basis for the debt. XXXX. Months ago, the debt was initially verified and subsequently removed from all credit reports. I contacted the apartment complex formerly known as XXXX XXXX Apartments, now XXXX XXXX, which is allegedly the original creditor. They confirmed they do not use XXXX XXXX XXXX as their collections agency and have not spoken with anyone to verify this debt, further invalidating XXXX claims. I respectfully request the following actions from the CFPB and the credit bureaus : Conduct a thorough investigation into the reinsertion of the XXXX XXXX XXXX account by Experian, Transunion, and Equifax, including verification of whether the required XXXX reinsertion notice was sent and received, and an inquiry into the XXXX  by Procollects representative, XXXX. Direct Experian, Transunion, Equifax, and XXXX to immediately remove the XXXX XXXX XXXX account from my credit reports, as its reinsertion violates FCRA regulations, exceeds the permissible reporting period, and lacks valid verification. Ensure that the credit bureaus update their records to reflect the accurate status of my credit history and prevent future unauthorized reinsertions or XXXX. Provide me with written confirmation of the resolution, including any updates to my credit files, within the XXXX timeframe required by the FCRA. The reappearance of this deleted account, combined with XXXX  from XXXX, has caused XXXX XXXX, potential XXXX  to my XXXX XXXX, and XXXX XXXX. I have been diligent in monitoring and maintaining my credit, and these errors undermine my efforts to rebuild my financial standing. Thank you for your attention to this serious matter. I trust the CFPB will take appropriate action to enforce my rights under the Fair Credit Reporting Act and ensure the accuracy of my credit reports.

Company response to consumer: Closed with explanation