Consumer complaint received 2025-11-12 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: AR

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Phone : XXXX XXXX : XX/XX/year> Date : [ Insert Date ] Subject : Repeated Reinsertion of Fraudulent Account Despite XXXX XXXX  Block Intent to Pursue Civil Action Under FCRA 605C, 623, and 1681i Dear CFPB Representative, I am a documented victim of XXXX  XXXX, and both Equifax and Experian already have my XXXX  documentation on file. Despite this verified status, Equifax and XXXX  continue to reinsert a fraudulent XXXX XXXX  XXXX XXXX XXXX XXXX account XXXX that has been removed multiple times following disputes and prior investigations. 
This repeated reinsertion violates the Fair Credit Reporting Act ( FCRA ) and constitutes reckless disregard of my legal protections as a XXXX  survivor. Specifically : Under FCRA 605C, consumer reporting agencies must block all adverse information resulting from XXXX  and are prohibited from reintroducing it once removed. 
Under FCRA 1681i ( a ) ( 5 ) ( B ), reinsertion can not occur unless the furnisher provides verified certification of accuracy and the consumer receives a written copy of that certification. 
To date, I have not received any legitimate certification or evidence from XXXX XXXX  to substantiate this tradeline. 
Furthermore, if this were a valid account, XXXX XXXX would have been legally required to issue a Form 1099-C for any charged-off debt. No such form has ever been sent to me. 
I believe XXXX XXXX  is improperly paying or incentivizing the credit bureaus to reinsert this item, and that Equifax and XXXX  are acting in bad faith by continuing to report information they know is inaccurate, harmful, and unlawful under my protected status. 
Demand for Immediate Action 1. Immediate and permanent deletion of the XXXX account from all bureaus under FCRA 605C . 
XXXX. Written proof of the certification and verification used for any reinsertion attempts. 
XXXX. Cease and desist order to XXXX XXXX  to stop furnishing data under 623 ( a ) ( 1 ) ( A ). 

XXXX. Formal investigation and sanction for each bureaus continued noncompliance. 
Notice of Intended Legal Action If this fraudulent account is not permanently removed within 15 days, I intend to pursue civil litigation under the Fair Credit Reporting Act, the XXXX  Victims Protection Act, and any applicable state consumer protection laws. 
My legal action will include claims for : Willful and negligent FCRA violations Emotional distress Defamation of character Punitive damages as provided under 15 U.S.C. 1681n and 1681o I will also seek attorneys fees and costs associated with enforcement of my rights. 
Supporting Documentation Equifax reinsertion notice dated [ insert date ] Declaration I affirm under penalty of perjury that the information in this complaint is true and accurate. I request immediate CFPB intervention to stop this repeated violation and ensure full compliance with federal law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Phone : XXXX

Company response to consumer: Closed with non-monetary relief