Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
Dear Equifax XXXX Department, I am submitting this rebuttal and escalation in reference to my prior CFPB complaints ( Case XXXX. XXXX and XXXX ). Your responses to the CFPB contained false statements that are now disproven by my current Equifax credit file as of XX/XX/year>. 
Equifax has committed multiple willful violations of the Fair Credit Reporting Act ( FCRA ) by : Reinserting previously deleted fraudulent accounts without notice, in violation of FCRA 611 ( a ) ( 5 ) ( B ).

Verifying fraudulent accounts as belonging to me, despite my submission of police reports, affidavits, and, violating FCRA 607 ( b ), 611, 616 & 617.

Providing contradictory and misleading responses to the CFPB by claiming accounts were not currently reporting when in fact they are still active on my Equifax file today. 
XXXX Contradictions & XXXX XXXX. XXXX XXXX XXXX ( Reinsertion of Fraudulent Debt ) XXXX years ago, this same account was reporting under XXXX XXXX XXXX. It was formally disputed, investigated, and deleted as fraud. 
It has now reappeared under XXXX XXXX XXXX with a new account number and is being verified as mine. 
I demand to know : How can Equifax verify as accurate an account that was already removed for fraud?

Under FCRA 611 ( a ) ( 5 ) ( B ), once a fraudulent account is deleted, it can not be reinserted unless Equifax provides me with written notice within 5 business days, along with certification of accuracy from the furnisher. I never received any notice, and no such certification exists.

This is clear illegal reinsertion and reckless verification of fraudulent data. 

XXXX. XXXX XXXX XXXX XXXX as belonging to me in one response, then claimed not currently reporting in another. 
My live Equifax file ( XX/XX/year> ) shows it still reporting {$18000.00} past due. 
This is a fraudulent auto loan opened by my ex-husband. I submitted a police report, affidavit, and lender fraud confirmation. 

XXXX. XXXX XXXX XXXX XXXX not currently reporting in your CFPB response. 
My live Equifax file shows it reporting {$10000.00} balance. 
This was a Lemon Law buyback, not a repossession. Reporting is knowingly false. 

XXXX. XXXX XXXX Verified in one complaint, ignored in another. 
My live file shows it still reporting with {$0.00} balance, coded as settled. 
I never had an account with this company ; this is misrepresentation of debt ownership. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX confirmed to me that no derogatory data was ever reported. 
Yet, Equifax claims to have updated historical account information and is reporting it as past due ( {$820.00}, with {$84.00} delinquent ). 
This is fabrication of derogatory information not validated by the furnisher. 

Your handling of my disputes, including your contradictory responses to the CFPB ( XXXX XXXX. XXXX and XXXX ), shows a pattern of misconduct in violation of federal law. 
Violations Committed by Equifax Illegal Reinsertion of Fraudulent Debt FCRA XXXX ( a ) ( XXXX ) ( B ) The National Credit Adjusters account was previously removed as fraud when it reported under XXXX XXXX XXXX two years ago. 
It has now been reinserted without notice, which is a direct violation of the law. 
Verification of Fraudulent Accounts FCRA XXXX ( b ), XXXX Despite my police report, affidavit, and creditor confirmations, Equifax verified fraudulent accounts such as Flagship Credit Acceptance, XXXX XXXX XXXX, and XXXX XXXX as belonging to me. 

This is reckless and knowingly false. 
Contradictory Statements to CFPB Misleading a Federal Agency Equifax claimed certain accounts were not currently reporting, yet my XX/XX/year> credit file screenshots prove they remain active. 

Failure to Maintain Reasonable Procedures FCRA XXXX ( b ) By re-reporting previously deleted fraudulent accounts and altering account histories ( e.g., MoneyLion ), Equifax has failed to ensure maximum possible accuracy. 
Denial of Access to Reports FCRA 609610 Blocking access to my credit reports through required portals is a separate violation of federal law. 

Damages and Liability Under the FCRA Statutory Damages : {$100.00} {$1000.00} per violation ( 15 U.S.C. 1681n ).

Actual Damages : I have already incurred at least {$20000.00} in financial harm due to inflated auto loan terms from inaccurate reporting.

Punitive Damages : Courts may award significant punitive damages for willful misconduct, with no statutory cap. 

Attorneys Fees and Costs : 100 % recoverable by law. 
Given the number of violations ( illegal reinsertions, false verifications, misreporting, and denial of access ), your liability exposure is substantial.

Company response to consumer: Closed with explanation