Consumer complaint received 2025-06-27 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: OH

Complaint narrative:
Subject : Formal Dispute Improper Reinsertion of Previously Deleted Accounts & amp ; Reference to CFPB Legal Action Dear Equifax Dispute Department, I am writing to formally dispute theunauthorized reinsertion of previously deleted accountson my credit file, which appears to have occurred in direct violation of theFair Credit Reporting Act ( FCRA ). Additionally, I want to highlight my awareness of theConsumer Financial Protection Bureaus ( CFPB ) lawsuit against Equifax, which makes this issue all the more concerning. 
Reinserted Accounts in Question : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX These accounts were previously deleted from my credit report following a formal dispute. Theirreappearance without proper notificationis a clear violation ofFCRA Section 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ], which mandates that if a credit reporting agency reinserts previously deleted information, itmust notify the consumer within five ( 5 ) business daysand provide the name and contact information of the furnisher that verified the account.

To date, I have received no such notification.

FCRA Violations : 1. Section 611 ( a ) ( 1 ) ( A ) : Equifax is obligated to conduct areasonable reinvestigationof disputed items. Simply confirming information with the furnisherwithout obtaining supporting documentationdoesnot constitute a reasonable investigation.

2. Section 611 ( a ) ( 5 ) ( B ) : If information isreinserted, the agency must notify the consumer in writing within 5 business days, identifying the furnisher and advising of the consumers right to re-dispute.

3. Section 607 ( b ) : Equifax must followreasonable procedures to ensure maximum possible accuracyof the information it reports.

Because Equifax failed to follow these provisions, the reinsertion of these accounts is not only unauthorizedit isunlawful.

Reference to CFPB Lawsuit Against Equifax I am aware that theCFPB has taken enforcement actionagainst Equifax fordeceptive practices and FCRA violations. This includes issues with credit file accuracy and misleading consumer communications.

Given this legal precedent and the ongoing scrutiny your agency is under, I am demanding : 1. Immediate deletionof the reinserted accounts listed above.

2. Afull explanationof how and why these accounts were reinserted.

3. Thename, address, and phone numberof the furnisher ( s ) who re-verified these accounts.

4. A copy of anydocumentationused to validate the reinserted information.

5. A detaileddescription of the proceduresused in your reinvestigation, as required underFCRA Section 611 ( a ) ( 7 ).

Deadline & amp ; Legal Notice You are legally required to resolve this dispute within5 daysof receipt. Failure to comply with the FCRA may result in additionalformal complaintsbeing filed with the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney Generals Office And potentially, civil legal actionfor damages and injunctive relief underFCRA Section 616 and 617. 
Thank you Sincerely XXXX XXXX.

Company response to consumer: Closed with non-monetary relief