Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EXPERIAN : THIS COMPLAINT IS DUE TO EXPERIAN REINSERTING INACCURATE ACCOUNTS NAD CANCELLED DEBT ON MY CREDIT REPORT. THIS IS A COMMON PRACTICE WITH EXPERIAN, ALWAYS SIDING WITH THE CREDITORS WITHOUT VALIDATING THE INFORMATION. 
Subject : Notice of Violation of Federal Consumer Protection Laws and Reinstatement of Previously Removed Account To Whom It May Concern, I am writing to formally dispute the reappearance of an account on my consumer credit report that was previously removed due to identity theft. The re-adding of this account violates my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws codified under Title 15 of the United States Code ( USC ). Such actions are not only improper but also undermine the trust and accuracy expected in credit reporting practices. I am demanding the additional information by Experian is claiming the creditor certified the information has been verified that the fraudulent account belongs to me.

Under 15 USC 1681c-2, once an account has been confirmed as fraudulent due to identity theft and removed from a credit report, it is explicitly prohibited for the account to reappear unless it is verified as legitimate through proper documentation and due process. In this instance, no such verification, documentation, or prior notification was provided to me before this account was readded to my credit report, violating established legal protocols and my consumer rights. 
Summary of Relevant Facts : XXXX. Nature of the Account : XXXX XXXX XXXX Account number : XXXX. This account is a CANCELLED debt. 

XXXX. Previous Removal : This account was removed from my consumer credit file on XXXX, following a thorough investigation into identity theft that confirmed its fraudulent nature. 
XXXX. Reappearance of Account : Without any valid justification or adherence to statutory requirements, the account has reappeared on my credit report on XX/XX/year>. This action disregards my rights as outlined in 15 USC 1681s-2 and 15 USC 1681i .

4. Violations Committed : Failure to comply with 15 USC 1681c-2 ( b ), which strictly prohibits the reinsertion of information blocked due to identity theft unless : o The furnisher of information certifies the accounts accuracy and legitimacy through concrete evidence. o The consumer is notified within XXXX business days of such reinsertion, with clear documentation to justify the action. Failure to provide proper reinvestigation under 15 USC 1681i ( a ), which mandates a meticulous and fair review of any disputed information.

Negligent or willful noncompliance under 15 USC 1681n and 1681o, which impose liability for failure to uphold the FCRAs standards and procedures.

Demands : 1. Immediate Removal of the Account : I demand that the disputed account be permanently removed from my credit file without delay. This action is necessary to restore the accuracy of my credit report and prevent further harm to my credit standing.

2. Provision of Documentation : I request copies of all documentation, certifications, or communications that were used to justify the reinsertion of this account into my credit report. This includes any correspondence between
your bureau and the furnisher of the disputed information.

3. Full Investigation : Conduct a thorough and comprehensive investigation into this matter and provide me with a detailed, written explanation of your findings. This investigation must comply with the requirements outlined in 15 USC 1681i ( a ) ( 1 ), and your response must be provided within the legally mandated 30-day window.

4. Confirmation of Compliance : I demand assurances that your bureau will take immediate measures to ensure compliance with all applicable federal and state consumer protection laws, thereby preventing any recurrence of such violations.

Notice of Potential Legal Action : If these violations are not promptly addressed, I will have no choice but to pursue all available legal remedies to protect my rights. This includes filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office in my state. Furthermore, I reserve the right to seek damages for both negligent and willful noncompliance as provided under 15 USC 1681n and 1681o.

In addition to the above steps, I will also explore the possibility of seeking legal counsel to address any financial or reputational harm caused by your bureaus mishandling of this matter. It is in your best interest to take immediate corrective actions to resolve this dispute amicably. 
I request that you acknowledge receipt of this letter within XXXX business days and provide a full response to my dispute within 30 days, as required by law. Failure to act in a timely and compliant manner will leave me with no alternative but to escalate this matter further. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief