Consumer complaint received 2025-08-10 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: LA

Complaint narrative:
Subject : IMMEDIATE DELETION REQUIRED : Unlawful Reinsertion of Account Account Name : XXXX. Account number [ XXXX ] ) Violation of FCRA Section 605 ( b ) ( 4 ) This letter concerns the unlawful reinsertion of the account for [ XXXX ] ( Account Number : [ XXXX ] ) on my credit report. This account was previously blocked/ deleted from my file on or about [ XX/XX/year> Originally Blocked/Deleted ] as a direct result of an identity theft dispute, pursuant to FCRA Section 605 ( b ). 
On [ XXXXXXXX XXXXXX/XX/year> Discovered Reinsertion, e.g., XX/XX/year>, I discovered that this previously blocked/deleted account had been reinserted onto my credit report. 
Furthermore, your notification regarding this reinsertion, I was emailed e.g., " via email dated XX/XX/year> and XX/XX/year> " or " was never provided prior to reinsertion '' ], constitutes a clear and egregious violation of FCRA Section 605 ( b ) ( 4 ). 
Specifically, your actions violate the following provisions of FCRA Section 605 ( b ) ( 4 ) : 1. Failure to Provide 5-Business-Day PRIOR Written Notice ( FCRA 605 ( b ) ( 4 ) ( A ) ( i ) ) : FCRA Section 605 ( b ) ( 4 ) ( A ) ( i ) explicitly mandates that if information previously blocked due to identity theft is to be reinserted, the consumer reporting agency must provide written notice not later than 5 business days prior to the reinsertion.You failed to provide this legally required prior notice. [ XX/XX/year> and XX/XX/year> ], sent on the same day the account reappeared on my report, does not fulfill the requirement of prior notice. '' ] 2. Failure to Provide Specific Justification ( FCRA 605 ( b ) ( 4 ) ( A ) ( ii ) ) : FCRA Section 605 ( b ) ( 4 ) ( A ) ( ii ) requires you to " clearly identify the information '' and " explain its basis for believing the consumer 's file was blocked due to material misrepresentation by the consumer or that the information was blocked in error. '' Your reinsertion of this account was not accompanied by any specific, verifiable evidence or explanation demonstrating that the original identity theft claim was a material misrepresentation by me or that the blocking was in error. 
statement that 'the additional information indicated that either... 
Furthermore, I reiterate that : Lack of Proper Furnisher Certification : The furnisher of this account, did not provide the necessary certification of accuracy to me prior to the reinsertion. 
Incomplete/Inaccurate Data ( FCRA 611 & 1681e ( b ) ) : The reinserted account still contains e.g., " ND ( No Data ) in the payment history, '' " incorrect balance, '' " incorrect date opened '' ], which renders the information incomplete, inaccurate, and unverifiable. Your reinsertion and any labeling as " updated '' without actual correction of these inaccuracies is deceptive and a continued violation.

Obsolete Account ( FCRA 605 ( a ) ) : Its continued reporting, especially after being previously deleted, exceeds the standard reporting period for adverse items under FCRA Section 605 ( a ). '' ] The reinsertion of this account, especially given its prior deletion under FCRA 605 ( b ) and your subsequent failure to adhere to the strict reinsertion protocols, constitutes a willful and negligent violation of my rights under FCRA 1681n and 1681o.

I demand the immediate and permanent deletion of the [ XXXX ] account ( Account Number : [ XXXX ] ) from my credit file. Failure to do so will result in immediate escalation of this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my states Attorney General, and the pursuit of legal action. 
Please send me confirmation of your findings and the deletion of this account. 

I have submitted : My government issued ID Proof of Data Breach Proof of XXXX XXXX XXXX being deleted/removed Proof of Utility bill XXXX, XXXX XXXX

Company response to consumer: Closed with explanation