Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TO : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX AND Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX RE : ILLEGAL REINSERTION OF ACCOUNTS | VIOLATION OF FCRA | FORMAL DEMAND FOR REMOVAL | INTENT TO SUE To Whom It May Concern, This letter is to put Equifax and all involved data furnishers on legal notice that you are currently in direct violation of federal law by re-inserting previously removed accounts on my credit file without any notice, justification, or legal basis. This will be the only warning before I initiate full-scale litigation and file regulatory complaints at every available level. 









THE FACTS : On or about XX/XX/XXXX, Equifax reinserted XXXX derogatory student loan tradelines reported by the Department of Education : Dept of ED {$2200.00} Dept of ED {$2500.00} These accounts were previously disputed and deleted. I have clear documentation that they were removed and now, without any required notification or reinvestigation, youve illegally reinserted them into my file. Let me make this perfectly clear : this is a violation of federal law, and you knew better. 









LEGAL VIOLATION FCRA 1681i ( a ) ( 5 ) ( B ) Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ), a credit reporting agency is prohibited from re-inserting any previously deleted information without : Certifying the information is accurate and complete, and Providing written notice to the consumer within XXXX business days. 




You have failed to do both. As of today, I have received XXXX communication regarding these reinsertions, which makes this not only negligent but willfully unlawful. 









XXXX  REMOVED THESE ACCOUNTS For further evidence of your recklessness : XXXX  has removed these exact same accounts after my previous dispute. If they determined the data was unverifiable, inaccurate, or outdated then Equifaxs continued reporting of this false information amounts to reckless indifference to the truth. 



You are knowingly damaging my credit with data another bureau deemed invalid. That is defamation of character, negligent misreporting, and malicious noncompliance under the FCRA. 









XXXX EQUIFAX DATA BREACH YOUR FAILURE, MY RISK Equifax is directly responsible for XXXX of the most catastrophic data breaches in U.S. history in XXXX, exposing the personal data of over XXXX XXXX Americans including mine. You allowed sensitive information like my Social Security Number, date of birth, and other PII to be stolen due to your failure to maintain even basic security protocols. 



Now, years later, after failing to protect my data, you have the audacity to reinsert derogatory tradelines with no verification, no validation, and no consumer notice? Let me be crystal clear : this is grounds for litigation, damages, and punitive action. 









THIS IS YOUR FINAL WARNING INTENT TO SUE You have 15 days to do the following or I will initiate civil litigation : Permanently delete both DEPT OF ED tradelines from my Equifax report. 
Mail me complete validation documentation, including promissory notes, signed agreements, and reinvestigation results. 
Cease all further illegal reinsertions or misreporting. 




Failure to comply will result in legal action against Equifax and any complicit data furnisher under : FCRA 1681n Willful noncompliance ( up to {$1000.00} per violation + punitive damages ) FCRA 1681o Negligent noncompliance FDCPA, if applicable State UDAP ( Unfair and Deceptive Acts and Practices ) laws Defamation, negligent reporting, and emotional distress I will also be filing complaints with the CFPB, FTC, State Attorney General, and exploring inclusion in a class action lawsuit if necessary. 









LEGAL AUTHORITY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Reinsertion Notice Requirement 15 U.S.C. 1681n & 1681o Civil Liability YOU ARE NOW ON RECORD This letter is now part of the official record of my dispute, and any continued reporting or failure to comply will be seen as further willful violations. You have been notified. You have been warned. I am fully prepared to bring this matter to court and hold your organization accountable to the fullest extent of the law. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation