Consumer complaint received 2025-04-25 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: MA

Complaint narrative:
CFPB Complaint Ongoing and Willful Violation of FCRA Section 611 ( b ) [ 15 U.S. Code 1681i ( b ) ] by Equifax and TransUnion Product : Credit reporting or other personal consumer reports Issue : Improper reinsertion of previously deleted negative information without notification or required certification -- - Complaint Details : I am submitting this complaint against both Equifax and TransUnion for their ongoing, willful, and egregious violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( b ) [ 15 U.S. Code 1681i ( b ) ]. This relates to the improper reinsertion of a previously deleted negative account ( XXXX account XXXX XXXX ) into my credit reports. 

Despite having previously filed a complaint with the CFPB regarding these violations, both credit bureaus have persisted in ignoring their legal obligations. 

Violations committed include : 1. Failure to Obtain Certification of Accuracy : Under 15 U.S. Code 1681i ( b ) ( i ), if any information is deleted from a consumers file, it can not be reinserted unless the furnisher certifies that the information is complete and accurate. Neither Equifax nor TransUnion has provided any evidence that such certification was obtained prior to the reinsertion of the XXXX account XXXX 


2. Failure to Notify the Consumer Five-Day Rule : The law clearly states : If any information that has been deleted from a consumers file... is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion ... in writing no later than 5 business days after the reinsertion. 
I never received any written notification from Equifax or TransUnion regarding the reinsertion of this account, in direct violation of this federal requirement. 


3. Failure to Provide Additional Required Information : The FCRA further mandates that within five business days of reinsertion, the bureaus must provide : A statement that the disputed information has been reinserted The business name, address, and phone number of the furnisher Notice of my right to add a statement disputing the accuracy or completeness of the reinserted information None of this required information was provided to me. 



4. Ongoing Harm and Bad Faith : These failures have continued even after my initial complaint to the CFPB, demonstrating willful noncompliance and disregard for federal law and consumer rights. This ongoing misconduct has caused significant harm to my credit profile and limited my access to fair credit opportunities. 



Both Equifax and TransUnion have ignored this legal mandate, and their failure has directly harmed my credit profile and my rights as a consumer. 

Relevant Law 15 U.S. Code 1681i ( b ) : ( i ) Certification of accuracy of information : " The information may not be reinserted ... unless the person who furnishes the information certifies that the information is complete and accurate. '' ( ii ) Notice to consumer : " The consumer reporting agency shall notify the consumer of the reinsertion ... in writing no later than 5 business days after the reinsertion. ''

Company response to consumer: Closed with non-monetary relief