Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Formal Dispute of Reinserted Inaccurate XXXX XXXX Account Violations of FCRA 611 ( a ) ( 5 ) ( B ) and Reporting Errors To Whom It May Concern, I am formally disputing the XXXX XXXXXXXX account ( Account XXXX XXXXXXXX ) due to multiple factual inaccuracies and severe violations of my rights under the Fair Credit Reporting Act ( FCRA ). This account has been removed from my credit reports multiple times but has been reinserted on at least three occasions without any prior written notice, in violation of FCRA Section 611 ( a ) ( 5 ) ( B ) [ 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ].

Additionally, the account contains several factual reporting errors across all three credit bureaus : 1. Inconsistent credit limits : XXXX and XXXX report a {$300.00} limit Equifax reports {$0.00} limit, which is inaccurate 2. Inconsistent payment status XXXX XXXX  and Equifax : 90 days late XXXX : 60 days late XXXX. Inconsistent account activity dates XXXX XXXX XXXX Last active on XX/XX/XXXX Equifax : Last active on XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. Balance reporting mismatch : XXXX  : {$470.00} XXXX  and Equifax : {$490.00} 5. Equifax falsely reports that the account was previously in dispute and now resolved by the data furnisher. 
However, this account was never properly verified, nor was any evidence of verification provided upon request. 

These discrepancies show that the data furnishers have failed to maintain accurate and consistent reporting in violation of FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which mandates that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy.

Furthermore, repeated reinsertion without proper notice is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ), which states that if a previously deleted item is reinserted, I mu
st be notified in writing within 5 business days. I was never notified, and this has happened on multiple occasions.

Additional Observation Payment History Errors : The two-year payment history reported for this account contains major factual errors : XXXX  shows XXXX consecutive months marked as 30/60-day late payments, which is inconsistent and highly questionable for a closed account. 
XXXX  displays only OK payments, which conflicts with the 60-day late status shown above. 
Equifax also shows only OK payments in the monthly grid, while reporting a 90-day late status in the account summary a direct contradiction. 
These inconsistencies across bureaus further demonstrate negligence in reporting standards and clear violations of FCRA 607 ( b ), requiring accuracy and consistency in all reported information. 

Requested Resolution : I am demanding the permanent deletion of this XXXX XXXXXXXX account from all three credit bureaus ( XXXX  Equifax, and XXXX ) due to : Inaccurate and inconsistent reporting Failure to verify during disputes Multiple unauthorized reinsertions in violation of federal law Please remove this account immediately to comply with the FCRA.

Company response to consumer: Closed with non-monetary relief