Consumer complaint received 2025-04-20 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: MI

Complaint narrative:
I am a confirmed XXXX XXXX XXXX XXXX and have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605C, which allows survivors to block adverse information resulting from their XXXX  experiences. 

In XXXX, I submitted valid documentation from a verified Department XXXX XXXX XXXX ( XXXX ) employee attesting to my XXXX XXXXtatus. Equifax accepted this documentation, deemed it sufficient under federal law, and removed the related adverse information from my consumer report. 

For nearly two years, the blocked information remained suppressed as required by law. However, in an abrupt and unlawful turn of events, Equifax recently reinserted the blocked adverse information without providing : Any written notice of reinsertion, as required under FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) ; Any explanation of the reasoning or basis for the reversal of the previously accepted determination ; Any opportunity to cure or supplement documentation prior to reinsertion. 

Worse, when I contacted Equifax, I was informed over the phone only, with no written notification, that my original XXXX documentation is now being declared invalid, despite the fact that it had already been accepted and acted upon in full compliance with federal law. 

To make matters worse, I have since obtained a new self-attestation letter, signed and co-verified by a licensed Registered Nurse in an Emergency Department XXXX which is fully compliant with the XXXX official guidance on acceptable documentation for 605C requests. However, I have been blocked from accessing Equifaxs online portal the same system used by other consumers to upload documentation and manage their reports. I will attach the new self attestation letter and dispute to this complaint. 

At this time, I am completely unable to upload my valid self-attestation letter or dispute the reinsertion like any other consumer. I am locked out. 

This conduct is not only unlawful it is retaliatory. After submitting a formal legal demand letter to Equifax regarding prior violations, I now find myself blocked from the dispute system, facing the sudden reversal of a legally sufficient trafficking block without cause, notice, or remedy. There has been no due process, and no legally required explanation. I have had to rely on three separate professionals over the past two years to advocate on my behalf including the XXXX employee, a state advocate, and now a licensed medical provider yet Equifax has continued to repeatedly violate FCRA protections with impunity.

Legal Violations : 1. FCRA 605C Failure to maintain block of information resulting from trafficking.

2. FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Illegal reinsertion of previously blocked information without proper written notice.

3. FCRA 607 ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy.

4. Denial of Equal Access Preventing me from using the online dispute/upload portal constitutes denial of access afforded to every other consumer.

5. Retaliation The timing and nature of these events strongly suggest retaliation in response to my formal legal demand letter sent to Equifax.

Timeline of Key Events : XXXX : Submitted XXXX victim determination letter to Equifax ; request accepted, block applied. 
XXXX : Blocked information remains suppressed with a number of unlawful reinsertions in between. 
Early XXXX : Following legal demand letter, information is reinserted without notice, explanation, or warning. 
XXXX : Equifax denies the original document over the phone ( no written explanation ), blocks me from uploading a new XXXX XXXX self-attestation letter, and cuts off my portal access entirely.

Company response to consumer: Closed with explanation