Consumer complaint received 2025-06-25 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX RE : URGENT ESCALATION FCRA 611, 611 ( a ) ( 5 ) ( B ), and 611 ( a ) ( 7 ) Violations Accounts in Dispute : XXXX ( Experian, Equifax & TransUnion ) XXXX XXXX ( Equifax - improper reinsertion of deleted account ) Dear Credit Bureau Dispute Department, This is a formal dispute and demand for immediate correction or deletion under the Fair Credit Reporting Act ( FCRA ) regarding XXXX accounts currently appearing on my consumer credit reports. These accounts have been in dispute since XX/XX/XXXX, and have been improperly verified without evidence, violating my rights under the FCRA. 



Violations and Dispute Summary : XXXX. Improper Verification ( All Bureaus ) Since XX/XX/XXXX, I have disputed both the XXXX and XXXXXXXX XXXX accounts. 

Your agencies continue to report these accounts as verified without providing actual proof, documentation, or a legitimate Method of Verification ( MOV ). 

I spoke with an Equifax representative ( ID : XXXX ) who admitted they could not provide MOV, which violates FCRA 611 ( a ) ( 7 ). 



XXXX. Illegal Reinsertion Without Notice ( Equifax ) XXXXXXXX XXXX account was removed XX/XX/XXXX, then reinserted in XXXX, XXXX. 

Equifax failed to notify me within 5 business days of the reinsertion, in violation of FCRA 611 ( a ) ( 5 ) ( B ).

Supervisor XXXX at Equifax admitted over the phone that Equifax does not send reinsertion notices, which is a direct noncompliance with federal law. which I do have if requested for proof. 

Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX RE : Formal Dispute of Inaccurate and Incomplete Reporting XXXX XXXX Account Name : XXXX XXXX Account Type : Collection/Closed Account Date of Original Dispute : XX/XX/XXXX Credit Bureaus Involved : Equifax, Experian, TransUnion Dear Dispute Department , This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding the XXXX XXXX account being reported on my credit file. I have disputed this account multiple times since XX/XX/XXXX, and each time, your bureaus have marked it as verified yet the data reported across all three bureaus is conflicting and factually inaccurate. This is a clear violation of FCRA 607 ( b ), which requires you to maintain accurate and consistent information, and FCRA 611 ( a ) regarding reinvestigation responsibilities. 



Summary of Inaccuracies and Conflicts : Equifax : Account shows closed on XX/XX/XXXX However, its marked as Derogatory in XX/XX/XXXX Shows Times Late : XXXX ( meaning XXXX days late ) this is impossible if the account closed in XXXX This timeline is factually incorrect and misleading TransUnion : Shows account closed XX/XX/XXXX ( conflicting with Equifax ) No payment history chart is available not even for XXXX, though the account was opened in XX/XX/XXXX Payment status and worst payment status : No info Missing or unknown key information, which violates FCRA 611 ( a ) ( 5 ) ( A ) ( duty to clearly and accurately report ) Experian : Reports account closed in XX/XX/XXXX ( no full date provided ) No payment history chart is available Contains no information about late payments or account status prior to closure My Dispute : I am formally disputing this XXXX XXXX account with all three credit reporting agencies due to : 1. Conflicting closing dates 2. Incorrect delinquency reporting ( Equifax ) 3. Missing or unknown payment history across all bureaus 4. Lack of sufficient data to allow your agencies to verify the account as accurate If you are claiming the account is verified, then I am demanding the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ). Provide the : Name and contact information of the entity that verified the account Method used to verify the disputed information Documentation reviewed I am also requesting immediate deletion of this XXXX XXXX account from all three of my credit reports if you can not verify accurate, consistent, and complete data in compliance with the FCRA. 



Final Notice : If these issues are not resolved within XXXX calendar days, I will : Pursue legal remedies under FCRA 616, 617 for negligent or willful noncompliance I have submitted complaints with the House of rep, also Senate as of XX/XX/XXXX Enclosures : Copy of government-issued ID Proof of address Credit report screenshots highlighting discrepancies Please conduct a real investigation and respond in writing with the outcome and any documentation used to support the status of this account. 



Sincerely, XXXX XXXX Consider legal action for damages under FCRA 616 and 617 Enclosures : Copy of ID Proof of address Previous dispute correspondence I am requesting a written response to this letter, including all supporting documentation used to verify the accounts. Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation