Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing in response to the handling of my previous complaints regarding inaccurate and fraudulent information on my credit reports. The credit reporting agenciesEquifax, Experian, and TransUnionhave engaged in deceptive and non-compliant practices that violate multiple provisions of the Fair Credit Reporting Act ( FCRA ). Despite providing extensive documentation, including an FTC Identity Theft Affidavit, a police report, a Social Security card, a government-issued ID, and multiple dispute letters, the CRAs continue to : XXXX. Reinsert Previously Deleted Accounts Without Notice * XXXX XXXX XXXX  XXXX XXXX XXXX * XXXX XXXX * XXXX XXXX XXXX * These accounts were removed in prior reports and improperly reinserted without the required five-day written notice ( FCRA 611 ( a ) ( 5 ) ( B ) ).

2. Failure to Block Fraudulent Accounts Despite Identity Theft Documentation ( FCRA XXXX ) * XXXX XXXX XXXX XXXX XXXX ( Multiple Accounts ) * XXXX XXXX * XXXX XXXX XXXX * These accounts should have been permanently blocked under FCRA 605B, yet they remain on my reports, impacting my credit score and financial well-being.

3. Unverified " Verification '' of Accounts ( FCRA 611 ( a ) ( 7 ) ) * The CRAs claim these accounts were " verified, '' yet they failed to provide documentary proof or disclose the method of verification. 
* Under FCRA 611 ( a ) ( 7 ), I have the right to request and receive : * The furnishers full verification details * The source of verification * Any supporting documentation, such as signed agreements 4. Failure to Remove Unauthorized Inquiries ( FCRA 1681b Violation ) * XXXX XXXX * XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX * These inquiries, which I never authorized, remain on my reports despite my identity theft claim. 
5. Failure to Remove Incorrect Personal Information * Addresses and Employers : Incorrect past addresses and employment details remain on my credit report despite prior disputes.

Requested Actions from CFPB Due to the repeated violations of my rights under the FCRA, I am requesting the following actions : 1. Immediate Deletion of the Fraudulent Accounts and Inquiries * The CRAs must remove all fraudulent accounts and inquiries related to my identity theft claims in accordance with FCRA 605B.

2. Full Verification or Deletion of Reinserted Accounts * If the CRAs claim that accounts were reverified, they must provide documented proof.

* Failure to do so should result in immediate deletion.

3. Compensation for Damages * Due to the financial harm caused by these repeated errors, I am requesting monetary compensation for damages. 
4. CFPB Enforcement Action Against the CRAs * The CRAs have ignored clear FCRA obligations, and enforcement action is necessary to prevent future violations. 
I expect immediate corrective action and am prepared to escalate my complaint further if necessary. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief