Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to formally dispute the unauthorized re-insertion of a fraudulent XXXX account XXXX Account Number : XXXX ) on my Equifax credit report, in direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ). Equifax has failed to follow proper procedures for re-inserting previously deleted information, and I demand immediate corrective action. This account is fraudulent, tied to my history of identity theft ( XXXX XXXX Report # XXXX ), and its reinsertion is causing me significant harm. 

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if an account previously removed is reinserted, the credit bureau must provide written notification to the consumer within five ( 5 ) business days, including the name of the data furnisher and certification that the information is accurate. Equifaxs letter dated XX/XX/year> confirms the reinsertion of this account, but I received no prior notification of this action, which is a clear violation of my FCRA rights. 

This account was previously deleted from my credit report after being disputed and found to be inaccurate, unverifiable, or not legally reportable due to its fraudulent nature. I have a documented history of identity theft ( XXXX XXXX Report # XXXX ), and this account is part of that fraud. Equifaxs failure to notify me of its re-insertion demonstrates a lack of compliance with federal regulations and must be corrected immediately.

Failure to Provide Required Notice ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) The FCRA mandates that if deleted information is reinserted, the consumer must be notified within five business days. I received no such notice pri
or to Equifaxs letter dated XX/XX/year>, confirming the reinsertion had already occurred. 
Violation of Accuracy & Reinvestigation Requirement ( 15 U.S.C. 1681i ( a ) ) Since this account was previously found to be fraudulent and removed, it should not have been reinserted without absolute proof of its accuracy, which Equifax can not provide given my identity theft history.

Failure to Maintain Reasonable Procedures ( 15 U.S.C. 1681e ( b ) ) Equifaxs failure to follow FCRA re-insertion protocols indicates a lack of reasonable procedures to ensure the accuracy of my credit report.

I formally demand the following actions be taken immediately : Permanently delete the reinserted XXXX account XXXX Account Number : XXXX ) from my credit report at all three bureaus. 
Provide written confirmation that the account has been removed and will not be reinserted again. 
Provide a full explanation of why this account was reinserted without proper notification. 
Disclose the name and contact details of the data furnisher who requested the re-insertion. 

This letter serves as final notice before further action. I expect a written response within five ( 5 ) business days as required by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief