Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Background and Context This complaint concerns the account reported by XXXX XXXX Bank XXXX, XXXX. ( Account ending XXXX ), which was previously deleted from all credit bureaus and has been reinserted without notification to the consumer. 

The account was originally removed on XX/XX/XXXX, as confirmed by the credit bureaus prior investigation. However, XX/XX/XXXX has since re-reported the same tradeline as Negative on XX/XX/XXXX, and Equifax and XX/XX/XXXX continue to display contradictory data. 

This reinsertion was made without the legally required written notice and contains false and inconsistent reporting, violating multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Key Inconsistencies and Evidence Illegal Reinsertion Without Notice FCRA XXXX ( a ) ( XXXX ) ( B ) The tradeline was deleted on XX/XX/XXXX, yet reappeared on XX/XX/XXXX under XX/XX/XXXX without any reinsertion notice. 

The FCRA explicitly prohibits reintroducing previously deleted information unless the furnisher certifies its accuracy and the CRA provides written notice to the consumer within XXXX ( XXXX ) business days. 

Re-Aging of the Account FCRA XXXX ( a ) ( XXXX ) Date Closed is now reported as XX/XX/XXXX, although the actual Last Activity dates back to XXXX. 

This manipulation of the closure date extends the reporting period and is illegal under the FCRA. 

Contradictory Data Across Bureaus Equifax : Deleted / Date Closed XX/XX/XXXXXX/XX/XXXX : Negative / Date Closed Not ReportedXX/XX/XXXX : Deleted / Date Closed XX/XX/XXXX These inconsistencies show that XXXX XXXX can not provide uniform, verifiable data, which violates FCRA XXXX ( b ). 

Inconsistent and False Last Activity Dates Equifax : XX/XX/XXXXXX/XX/XXXX : XX/XX/XXXX This is impossible and evidences fabricated activity to re-age the account. 

Failure to Validate or Provide Supporting Documentation No validation documents ( signed agreement, payment records, or ownership certification ) have been provided in response to the first dispute round. 

Reporting unverifiable data violates FDCPA XXXX ( b ) and FCRA XXXX ( a ) ( XXXX ) ( A ). 

Legal Violations FCRA Violations XXXX ( A ) ( XXXX ) Failure to ensure fair and accurate reporting. 

XXXX ( b ) [ 15 U.S.C. XXXX ( b ) ] Failure to maintain maximum possible accuracy. 

XXXX ( a ) ( XXXX ) ( A ) Failure to properly reinvestigate disputed information. 

XXXX ( a ) ( XXXX ) ( A ) - ( B ) Reinsertion of previously deleted information without notice or certification. 

XXXX ( a ) ( XXXX ) ( A ) Furnishing information known to be false or unverifiable. 

XXXX ( a ) ( XXXX ) Failure to note the consumers dispute accurately. 

XXXX ( a ) ( XXXX ) Re-aging of a closed account to extend reporting. 

FDCPA Violations XXXX ( XXXX ) ( A ) False representation of the character or legal status of a debt. 

XXXX ( XXXX ) Failure to communicate that a disputed debt is disputed. 

XXXX ( XXXX ) Attempting to collect or report an amount not authorized by contract or law. 

XXXX Engaging in deceptive conduct through continued false reporting. 

Consumer Rights Under the FCRA and FDCPA, I have the right to : Be notified in writing if any deleted account is reinserted in my report. 

Demand proof of accuracy and ownership from the data furnisher prior to reinsertion. 

Have any unverifiable or illegally reinserted account permanently deleted. 

Seek monetary damages for willful noncompliance.

Company response to consumer: Closed with non-monetary relief