Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
An alleged charge-off account from XXXX XXXX XXXXEquifax that has been repeatedly removed and reported on my credit report, in violation of several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The account was first removed between XX/XX/XXXX and XX/XX/year>, due to violations of FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ), which requires written notice within five business days of any reinsertion. However, the account was reinserted between XX/XX/XXXX and XX/XX/year>, without the required notice, and with the same violations that led to its removal which violate FCRA Section XXXX ( a ) ( XXXX ) ( C ). After filing a CFPB report about these violations on XX/XX/year>, The account was then removed again between XX/XX/XXXX and XX/XX/year>, but was reinserted again between XX/XX/XXXX and XX/XX/year>, with the same violations in direct violation of the same FCRA provisions. Additionally, this alleged charge-off account has been reported inconsistently as OPEN and CLOSED across various credit bureaus. This inconsistent reporting violates FCRA Section 605 ( a ) and Section 623 ( a ) ( 1 ) ( B ), as it misrepresents the status of the debt and causes confusion and damage to my credit report. Despite multiple disputes to address these issues, all parties ( et al ) has failed to correct them, and the account continues to be reported in violation of the law. This is now well past the legal timeframe for correction under the FCRA, and I demand the immediate removal of this account from all of my credit reports, in accordance with FCRA Section 605B, which prohibits the re-reporting of inaccurate after a dispute. Due to these repeated and unlawful actions, I request that this alleged charge-off account be permanently blocked from all of my credit reports, and I request written confirmation that this account will not be reinserted again. 

Additionally, XXXX XXXX XXXX/Equifax 's actions are in clear violation of several provisions of the Fair Debt Collection Practices Act ( FDCPA ) and Metro 2 credit reporting standards. Under FDCPA Section 1692e, the repeated reinsertion of the account without providing proper notice constitutes false, deceptive, or misleading representations, which misrepresents the true status of the debt. These actions are further compounded by Section 1692d of the FDCPA, as the repeated and erroneous reporting of the account may be seen as harassment or abuse, resulting in unnecessary damage to my credit and emotional distress. Furthermore, under Metro 2 guidelines, XXXX XXXX XXXX has violated the requirement for accurate reporting, as evidenced by the inconsistent reporting of the account status as OPEN and CLOSED. This failure to report accurate information violates Metro 2 standards and creates significant confusion for creditors reviewing my credit report. Additionally, Section 8.2 of Metro 2 requires that any re-insertion of an account be accompanied by accurate and verified information, which has not been provided, and Section 6.3 mandates immediate correction of any errors. These violations, including the failure to correct reporting errors, directly impact the accuracy of my credit report and contribute to the unfair and unlawful damage to my credit standing.

Company response to consumer: Closed with explanation