Consumer complaint received 2025-06-14 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Mailing : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Experian | XXXX XXXX XXXX XXXX XXXX XXXX  Equifax | XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion | XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Re : Reappearance of Fraudulent Accounts Identity Theft Violation & Improper Bankruptcy Reporting To Whom It May Concern : I am writing to formally dispute and demand immediate deletion of the following fraudulent accounts that were previously removed after identity theft investigations in XXXX and have now reappeared on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - Account # : [ XXXX XXXX XXXX XXXX ] - Opened : XX/XX/XXXX - Status : Over limit ( {$3200.00} ) as of XX/XX/XXXX - Previously deleted in XX/XX/XXXX - Wrongfully reinserted without notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - Account # : [ XXXX XXXX XXXX XXXX ] - Opened : XX/XX/XXXX - Also reappeared under bankruptcy, despite removal These accounts were fraudulently opened within 12 months of my release from XXXX XXXX on XX/XX/XXXX, after serving a XXXX XXXX. I did not open or authorize these accounts, and I previously submitted disputes affirming identity theft. Ive attached my XXXX XXXX XXXX to confirm I was in XXXX  when these accounts were likely initiated. 

Despite being removed in XXXX, these accounts have reappeared in XX/XX/XXXX and are now improperly updated to include an unrelated bankruptcy which was filed under my LLCs EIN, not my Social Security Number, and should not apply to my personal credit file. Any accounts tied to that bankruptcy filing do not legally belong on my consumer report. 

Additionally, I believe the XXXX account that was cleared from my file has also reappeared in XX/XX/XXXX please verify and remove this as well if applicable. 

Supporting Documents Included : - Bureau report from XX/XX/XXXX showing account deletions- Experian alert dated XX/XX/XXXX showing reappearance - XXXX XXXX XXXX XXXX XXXX documentation - Bankruptcy filing document ( showing its under business EIN ) - Previous dispute confirmation ( if available ) Actions Requested : 1. Immediate reinvestigation and permanent deletion of these fraudulent XXXX XXXX XXXX XXXX XXXX XXXX ) accounts from my credit report. 
2. Full reinvestigation and deletion of any reinserted XXXX accounts tied to this fraud. 
3. Correction of bankruptcy reporting, ensuring it's not reflected on my personal SSN-related credit file.

Failure to address this will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), FTC, and South Carolina Attorney Generals Office.

Please respond in writing to confirm actions taken.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief