Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
I am filing this complaint to formally allege that Equifax engaged in willful violations of the Fair Credit Reporting Act ( FCRA ). Over a year ago, I disputed and succeeded in having two negative tradelines removed from my credit file. Without any credible new evidence, notice, or verification, Equifax illegally reinserted those same accounts into my reportan exact replication of misconduct recently punished by the CFPB. 
The following accounts were reinserted into my credit : XXXX XXXX # XXXX Tradeline updated on XX/XX/year> REMOVE! 
XXXX BANK # XXXX Tradeline updated on XX/XX/year> REMOVE! 
________________________________________ Legal Violations ( Based on CFPB Findings ) 1. Failure to prevent reinsertion under 15U.S.C. 1681i ( a ) ( 5 ) ( B ) : Equifax reinserts previously deleted information without providing the required 5 day prior written notice to the consumer, or disclosing the furnishers identity and the verification process used. The CFPB specifically found Equifax failed to prevent exactly this, in violation of federal law.

2. Unreasonable reinvestigation of disputes ( 15U.S.C. 1681i ( a ) ( 1 ) ) : As documented in the CFPB consent order, Equifax routinely ignored supporting dispute documentation submitted by consumers, failed to consider it in reinvestigations, and instead defaulted to furnisher responses. 

3. Failure to maintain procedures assuring maximum possible accuracy ( 15U.S.C. 1681e ( b ) ) : Equifaxs flawed systemsincluding coding errors and poor data controlsregularly produced inaccurate credit data and reinstituted previously deleted discrepancies. 4. Unfair or deceptive practices under the CFPA ( 12 U.S.C. 5531/5536 ) : The CFPB
concluded that Equifaxs ineffective systems, excessive deference to furnishers, failure to consider consumer evidence, and its habitual reinsertion of inaccurate data constituted unfair acts or practices.

________________________________________ Recent CFPB Enforcement Example : Equifax {$15.00} XXXX Fine In XX/XX/year>, the CFPB issued an enforcement action resulting in a {$15.00} XXXX civil money penalty against Equifax for mishandling consumer disputes and allowing previously deleted inaccuracies to reappearincluding account reinsertion without notice or explanation. 

The CFPB found Equifax ignored consumer documentation, used flawed internal software, sent confusing and contradictory dispute result letters, and lacked procedures to prevent reinsertion of disputed information. 

This official action directly parallels my personal experience of deleted accounts reappearing in my credit file, without new documentation or notice. Equifaxs conduct is clearly consistent with the same failures condemned by the CFPB.

________________________________________ Requested Relief Immediate and permanent deletion of the improperly reinserted accounts.

Full disclosure of the furnishers identity and any documentation or verification allegedly used to support the reinsertion.

A formal statement confirming that Equifax will not reinstate these itemsor any disputed tradelineswithout strict compliance with 1681i ( a ) ( 5 ) ( B ).

Monetary damages for credit denials, higher interest charges, emotional distress, and legal violations ( 1681n/1681o ). 
Institutional reform : internal audit and corrective measures ensuring Equifax complies with FCRA mandates and prevents future reinsertion misconduct. 
________________________________________ Declaration I am absolutely outraged that Equifax has repeated conduct that directly mirrors the misconduct the CFPB recently penalized. This reinsertion behavior is not just negligentit is unlawful, deliberate, and harmful. I demand immediate enforcement by the CFPB to restore accuracy to my credit report and hold Equifax fully accountable.

Please see this matter is resolved ASAP.

Company response to consumer: Closed with non-monetary relief