Consumer complaint received 2025-12-04 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: NJ

Complaint narrative:
I am filing this complaint against Equifax , Inc. because they have reinserted two previously deleted charge-off accounts and continue to report them without following the reinsertion rules in FCRA 611 ( a ) ( 5 ) ( B ). This has happened AFTER both the XXXX Equifax data breach and the XXXX XXXX XXXX data breach, in which my personal information was exposed.

The two accounts at issue are : A XXXX XXXX  credit card account ending in XXXX ; and A XXXX XXXX XXXX XXXX charge-off account ( only one of two duplicate charge-offs was reinserted ).

Both tradelines were previously deleted from my credit reports in XX/XX/XXXX after disputes and prior CFPB complaints. Equifax confirmed deletion in writing ( THIS ITEM HAS BEEN DELETED ). However, in fall XXXX these accounts were reinserted on my Equifax report without : Any 5-day reinsertion notice to me ; and Any proof that Equifax obtained written furnisher certification that the information was complete and accurate before reinsertion.

Under FCRA 611 ( a ) ( 5 ) ( B ), Equifax may not reinsert previously deleted information unless it receives certification from the furnisher AND provides me written notice of the reinsertion within 5 business days. I never received any reinsertion notice, and Equifax has not provided any documentation showing furnisher certification for either XXXX XXXX  or XXXX XXXX. 

The reinserted data is also inconsistent and unreliable : XXXX XXXX previously reported two identical charge-offs. Both were deleted ; only one came back. If true certification occurred, both duplicates would have been treated the same. 
After reinsertion, the XXXX XXXX tradeline began reporting different derogatory history from what was shown before deletion. A reinserted tradeline should match the original deleted data, not introduce new derogatory codes. 
The XXXX XXXX  account now appears only on Equifax and not on XXXX  or XXXX, even though XXXX admits they requested Bureau Reinsertion with Equifax.

I already have multiple open CFPB complaints relating to these issues ( including Complaint Nos. XXXX, XXXX, and XXXX ). Equifaxs only responses so far have been generic statements that they need more time to review, without resolving the unlawful reinsertion or providing any Method of Verification, ACDV records, or furnisher certifications. Meanwhile, these reinserted charge-offs are actively harming my ability to obtain auto financing.

Because my data was exposed in the XXXX Equifax breach and the XXXX XXXX XXXX breach, Equifax and the furnisher should be exercising a heightened level of care before re-reporting deleted derogatory tradelines. Reinserting charge-offs without clear verification, without furnisher certification, and without the required 5-day noticeafter known breachesshows a failure to maintain maximum possible accuracy under FCRA 607 ( b ) and a failure to conduct a reasonable reinvestigation under 611 ( a ).

Requested resolution : Permanently delete the reinserted XXXX XXXX  account ending in XXXX from my Equifax credit report.

Permanently delete the reinserted XXXX XXXX charge-off account from my Equifax credit report.

Provide copies of any furnisher certifications, ACDV responses, and documentation Equifax claims it relied on to justify these reinsertions. If no such certification exists, the accounts must be deleted under 611 ( a ) ( 5 ) ( B ).

Correct any related inaccurate remarks, charge-off coding, or balance/date fields tied to these tradelines.

These reinsertions are causing ongoing harm to my credit profile and my ability to qualify for auto financing. I am asking CFPB to require Equifax to comply with the FCRA reinsertion rules, produce proof of certification and notice if they exist, or permanently delete these reinserted charge-offs from my file.

Company response to consumer: Closed with non-monetary relief