Consumer complaint received 2025-05-01 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: AZ

Complaint narrative:
Subject : Formal Complaint Unlawful Reinsertion of XXXX Account by Equifax ( FCRA Violations ) Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax regarding the unauthorized reinsertion of a previously deleted account from XXXX, which is now appearing again on my credit report with a balance of {$5400.00}. 
This account had been previously disputed and removed from my credit file, and its reappearance constitutes a serious abuse of power and a clear violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). As a consumer, I have legal rights that protect me from this exact type of harmful and unlawful conduct. 
Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Reinsertion After Deletion Under this statute, if an item is deleted as a result of a dispute and then reinserted, Equifax must notify the consumer in writing within five business days and must obtain certification from the furnisher that the information is accurate. 
I did not receive any notice of the reinsertion, and I have not been shown any certification of accuracy from XXXX. 

2. 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Possible Accuracy Equifax is legally required to maintain reasonable procedures to ensure the maximum possible accuracy of the information it reports. Reintroducing an account that was already removed following a dispute violates this obligation and demonstrates a lack of procedural safeguards.

3. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Duty to Reinvestigate Disputed Information If a consumer disputes an account, the bureau must conduct a reasonable reinvestigation. The reinsertion of the XXXX account without a valid reinvestigation or supporting documentation is a failure to comply with this requirement. 

4. 15 U.S.C. 1681n & 1681o Civil Liability for Willful or Negligent Noncompliance Equifax may be held legally liable for willful or negligent violations of the FCRA, including unauthorized reinsertion and failure to notify me as required by law. 
My Formal Request to the CFPB : I respectfully request that the Consumer Financial Protection Bureau : XXXX. Investigate Equifaxs unlawful reinsertion of the XXXX account in the amount of {$5400.00} XXXX. Determine whether Equifax obtained the proper certification of accuracy from XXXX as required by law XXXX. Confirm whether Equifax fulfilled its legal duty to notify me in writing within XXXX business days of the reinsertion 4. Order the permanent deletion and lifetime blocking of this account from my Equifax credit file XXXX. Enforce all applicable penalties for Equifaxs failure to comply with FCRA reinsertion and accuracy requirements The reappearance of this accountafter it was properly removedhas caused unnecessary stress and financial harm. I am asking the CFPB to take immediate action to uphold my rights as a consumer and ensure that Equifax is held accountable for this serious and repeated violation of the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief