Consumer complaint received 2025-01-26 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: PA

Complaint narrative:
The information should not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer, but I never received proof that these accounts have been verified. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

On XXXX XX/XX/XXXX XXXXXXXX XXXX was removed from my Equifax account. On XX/XX/XXXX it was reinserted. I have reached out to Equifax several times since XX/XX/XXXX via letters, disputes and complaints with CFPB. Equifax has still claimed XXXX XXXX is not on my credit report and it is and has been since XX/XX/XXXX. XXXX. Under the FCRA, specifically Section 605 ( regarding the time limitations on reporting of negative information ) and Section 607 ( regarding the duty of a credit reporting agency to ensure accuracy ), I am requesting that you investigate this matter and remove or correct any inaccurate information that is found to be erroneous. In addition, I would like to remind you of the specific provisions regarding the reinsertion of previously deleted items. According to FCRA Section 611 ( a ) ( 5 ), if a credit reporting agency deletes an item from my credit report as a result of a dispute, that item can not be reintegrated or reinserted into my credit report unless the creditor or data furnisher provides documentation that the information is indeed accurate and verifiable. Additionally, if reinsertion occurs, I must be notified within five business days. If this matter is not rectified I will utilize my consumer rights to sue because this is illegal. Please see attached proof that this information was reinserted and is still on my credit report currently. As a company how can you say this information is not there when I have proof attached below. Please remove this information immediately. A complaint has been filed regarding this matter 3 times and the information is still there. I am tired of reaching out to Equifax regarding the same matter and my consumer protection rights being violated. 

The company responded this on XX/XX/XXXX and the information still has not been deleted. 

Company response- Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX  THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call 1-XXXXEQUIFAX XXXX XXXX XXXX or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. 

REMOVE THIS IMMEDIATELY!!!!!!

Company response to consumer: Closed with non-monetary relief