Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX FTC Report Number : XXXX Date : XX/XX/XXXX To : Experian Information Solutions , Inc. XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax Information Services, LLC XXXX. XXXX XXXX, XXXX, GA XXXX TransUnion XXXX XXXX. XXXX XXXX, XXXX, PA XXXX ________________________________________ Re : Fraudulent & Reinserted Accounts Demand for Permanent Deletion Under FCRA, FACTA, and Case Law Dear Compliance Department, I, XXXX XXXX XXXX, formally dispute the following accounts as fraudulent, inaccurate, and unlawfully reinserted. I have court documentation proving identity theft and fraud, and several of these accounts were previously deleted or suppressed, yet they have reappeared on my file without proper reinsertion notice. 
This is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ), which prohibits the reinsertion of previously deleted items unless the furnisher provides certified verification and the bureau notifies the consumer in writing within five business days. No such notice was ever provided to me. 
________________________________________ Accounts in Dispute ( Fraudulent/ Previously Deleted ) XXXX. XXXX Secured Card | Acct : XXXX | Opened XX/XX/XXXX | Charged Off {$110.00} XXXX. XXXX Credit Card | Acct : XXXX | Opened XX/XX/XXXX | Charged Off {$6100.00} XXXX. XXXX XXXX | Acct : XXXX | Opened XX/XX/XXXX | Charged Off {$3300.00} XXXX. XXXX XXXX | Acct : XXXX | Opened XX/XX/XXXX | Charged Off {$13000.00} XXXX. XXXX XXXX. | Acct : XXXX | Opened XX/XX/XXXX | Paid/Closed With Late Payments XXXX. XXXX XXXX | Acct : XXXX | Opened XX/XX/XXXX | Charged Off {$4500.00} XXXX. XXXX XXXX | Acct : XXXX | Opened XX/XX/XXXX | Charged Off {$19000.00} XXXX. XXXX XXXX XXXX | Acct : XXXX | Opened XX/XX/XXXX | Transferred/Closed Heavy Delinquencies ________________________________________ Outline of Laws & Violations 1. Identity Theft & Fraudulent Reporting FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires blocking of identity theft items upon receipt of an identity theft report.

FCRA 609 ( e ) : Creditors must provide all business records related to fraud within 30 days. Failure voids reporting.

2. Reinsertion of Deleted Accounts FCRA 611 ( a ) ( 5 ) ( B ) : Bureaus may not reinsert deleted accounts without : 1. Certification from the furnisher that the information is accurate, AND 2. Written notice to the consumer within 5 days of reinsertion.

These accounts were previously removed and reappeared without notice, making this a statutory violation. 
3. Reasonable Reinvestigation Standard FCRA 611 ( a ) ( 1 ) ( A ) : Bureaus must conduct a reasonable reinvestigation. Courts have repeatedly held that parroting back furnisher data is not reasonable. ( XXXX v. Experian, XXXX ; XXXX v. Experian, XXXX ). 
4. Furnisher Liability FCRA 623 ( a ) ( 3 ) : Prohibits creditors from reporting information they knowor should knowis inaccurate. 
FACTA & GLBA Security Breach Provisions : XXXX, XXXX, XXXX, and other furnishers have been cited in XXXX CFPB/FTC actions for data breaches and weak verification standards. 
5. Case Law SupporXXXX XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX ) XXXX upheld liability for inaccurate reporting. 
XXXX v. Experian Info. Solutions ( XXXX ) Bureau held liable for not deleting unverifiable accounts.

Company response to consumer: Closed with non-monetary relief