Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX and Equifax for knowingly and illegally reinserting a previously deleted collection account onto my credit report multiple times, without verification, violating the Fair Credit Reporting Act ( FCRA ). 

1. Pattern of Illegal Reinsertion of Deleted Collection Accounts The same {$450.00} collection account has been repeatedly removed and reinserted under different collection agencies, demonstrating a clear violation of the FCRAs reinsertion and accuracy rules : XX/XX/XXXX Reported by XXXX XXXX XXXX XXXXXX/XX/XXXX Removed from my credit report XX/XX/XXXX Reported again by XXXX XXXX XXXX XX/XX/XXXX Removed again XX/XX/XXXX Reinserted again by XXXX XXXX XXXX with a falsified " reported date '' of XX/XX/XXXX This proves that there is no legitimate verification process, and instead, the same debt is being cycled through different collection agencies to keep it on my credit report unlawfully. 

XXXX. FCRA Violations by XXXX XXXX XXXX XXXX Equifax A. Illegal Reinsertion Without Consumer Notification Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( FCRA Reappearance of Previously Deleted Information ), a furnisher can not reinsert a previously deleted collection account unless : The furnisher ( XXXX XXXX  ) certifies that the information is accurate and complete. 
The credit bureau ( Equifax ) provides written notification to the consumer within five business days. 
Equifax and XXXX XXXX failed to comply with these legal requirements. 

I received no written notification from Equifax that this account was being reinserted. 
XXXX XXXX has not provided any certification proving this debt is legitimate. 
This means Equifax and XXXX XXXX are illegally reporting unverifiable information in direct violation of the FCRA. 

B. Failure to Maintain Accurate Information Under 15 U.S.C. 1681e ( b ) ( FCRA Obligation to Maintain Accuracy ), Equifax and all furnishers must ensure that the information they report is accurate and up to date. 

Violations : This same debt has been deleted twice and then reinserted with no verification. 
The reported date of XX/XX/XXXX, is fraudulentthis account was already removed in XX/XX/XXXX and XX/XX/XXXX. 
Experian and TransUnion are not reporting this debt, proving that Equifax is negligently misreporting information.

By allowing a deleted account to be re-reported under a falsified date, Equifax and XXXX XXXX are knowingly violating federal law. 

C. Failure to Conduct a Proper Investigation Under 15 U.S.C. 1681s-2 ( b ) ( FCRA Duty of Furnishers to Investigate Disputed Information ), XXXX XXXX XXXXXXXX is required to conduct a proper investigation before reporting a debt. 

XXXX XXXX has failed to verify this account every time it was reported. 
They previously deleted the account in XX/XX/XXXX but are now reporting it again with a fake reported date. 
No method of verification has been provided to prove that this debt is legitimate. 
This demonstrates a clear attempt to manipulate credit reporting records by cycling a disputed debt through different collection agencies to damage my credit score. 

XXXX. Legal Violations Committed by Equifax XXXX XXXX XXXX Service 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Illegal reinsertion of a deleted collection account without notifying the consumer.

15 U.S.C. 1681e ( b ) Failure to maintain accurate and verifiable credit report information.

15 U.S.C. 1681s-2 ( b ) Failure to properly investigate and verify disputed information before reporting.

Company response to consumer: Closed with explanation