Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Unlawful reinsertion of previously deleted collection and failure to provide required certification and notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via Equifax Complaint Narrative ( to paste in What Happened? ) I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) against Equifax Information Services LLC and the furnisher XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for knowingly re-reporting a previously deleted and recalled collection account. 



Background and Timeline The alleged medical collection was originally reported by XXXX XXXX XXXX ( XXXX ) on behalf of XXXX XXXX XXXX XXXX. 
After my earlier complaint ( CFPB Case XXXX ), XXXX confirmed recall and deletion of the account from all credit bureaus. They also admitted that the account was returned to XXXX. 
Despite this, the same debt re-appeared on my Equifax report on XX/XX/year>, now listed under a different furnisher name ( XXXX XXXX XXXX ) but carrying the identical balance ( {$910.00} ), creditor ( XXXX XXXX XXXXXXXX XXXX ), and account details. 
Equifax never sent the XXXX-day reinsertion notice required under FCRA XXXX XXXX a ) ( XXXX ) ( B ), nor did they provide evidence of a furnisher certification proving the accuracy of the new data. 

This sequence clearly shows a deliberate reinsertion of deleted data without lawful certification or consumer notification. 



Statutory Violations XXXX FCRA XXXX ( a ) ( XXXX ) ( B ) Reinsertion Without Certification or Notice Once an account is deleted, the credit bureau must : XXXX. Obtain certification from the furnisher that the information is accurate and complete ; and XXXX. Provide written notice to the consumer within XXXX business days of reinsertion. 
Equifax did neither. No certification or written notice was provided, and the same debt was placed back in my file under a new name. 

XXXX FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing Inaccurate Information XXXX  ( via XXXX XXXX XXXX ) furnished the same debt under a new entity name after deletion, a willful attempt to bypass deletion orders. This constitutes furnishing false and misleading data. 

XXXX FCRA XXXX ( a ) ( XXXX ) & ( XXXX ) Failure to Conduct Reasonable Reinvestigation Equifaxs reinvestigation marked the item verified as accurate without confirming the furnishers authority or ownership of the debt. That failure to validate source certification is a breach of their statutory duty. 

XXXX FDCPA XXXX ( XXXX XXXX False Representation of Credit Information Reporting a recalled debt through a new agency misrepresents its legal status and creates a false impression of active liability. 

XXXX CFPB XXXX XXXX ( XXXX XXXX XXXX ) Requires credit bureaus to maintain procedures ensuring deleted items are not reinserted without certification and notice. Equifaxs lapse violates these procedural safeguards. 



Harm and Impact This unlawful reinsertion has : Caused measurable credit-score damage despite prior deletion and recall. 
Created duplicated derogatory entries under multiple furnisher names. 
Generated emotional distress and reputational harm, as I now appear to have new unpaid medical debt that was previously proven invalid. 



Supporting Evidence ( available upon request ) XXXX. XXXX written deletion confirmation ( XX/XX/year> response to CFPB ). 
XXXX. Equifax reinvestigation letter ( XX/XX/year> ) showing verified as accurate under new furnisher. 
XXXX. Screenshots and PDF from XXXX showing XXXX XXXX XXXX listing same {$910.00} balance. 
XXXX. Previous CFPB case documentation confirming recall from XXXX. 



Legal Analysis The reappearance of this debt through a different name is not a new account ; its a re-aged, re-filed version of the deleted debt. FCRA XXXX ( a ) ( XXXX ) ( B ) explicitly prohibits this conduct. 
Equifax can not hide behind the argument that a new furnisher independently verified the debt ; the law treats the underlying obligation as XXXX record. XXXX can not simply assign it to a different agency and bypass deletion without restarting the validation process. 

This practice represents a systemic breakdown of consumer-data accuracy procedures and demonstrates Equifaxs failure to ensure compliance with FCRA XXXX ( b ), which obligates them to maintain maximum possible accuracy.

Company response to consumer: Closed with explanation