Consumer complaint received 2025-05-23 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: AZ

Complaint narrative:
Subject : Urgent Second Formal Complaint Against Equifax Unlawful Reinsertion of Deleted XXXX XXXX XXXX Account ( Non-Frivolous Dispute ) Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this second formal complaint against Equifax for violating my rights under the Fair Credit Reporting Act ( FCRA ) by unlawfully reinserting a previously deleted and inaccurate account into my credit report, without proper notification, certification, or verification as mandated by law. 

This complaint is not a frivolous dispute. I am a consumer actively exercising my legal rights, and Equifaxs conduct reflects a willful disregard of federal compliance obligations. If this issue is not resolved immediately, I am prepared to escalate this case to formal legal action, including but not limited to : Filing claims under FCRA Sections 616 and 617 for willful and negligent noncompliance, Seeking statutory, actual, and punitive damages in federal court, Reporting Equifax to state regulators and the Federal Trade Commission ( FTC ) for regulatory enforcement. 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} Account Type : Auto Loan Original Date of Removal : XX/XX/year> Date of Reinsertion by Equifax : On or about XXXX XXXX Background : I formally disputed this account with Equifax in XX/XX/year> due to inaccurate and unverifiable reporting. Following that dispute, the account was removed from my Equifax reportan implicit acknowledgment of its invalidity. 

However, I recently reviewed my updated credit report and found that the same XXXX XXXX XXXX account has been reinserted, marked as charged-off, with a derogatory status, and payment history showing 30, 60, 90, 120-day lates, despite no new investigation or notification. 

This action by Equifax violates multiple key provisions of the Fair Credit Reporting Act, and I now demand immediate regulatory intervention. 

Violations of the FCRA by Equifax : 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ] Reinsertion Without Certification Equifax failed to obtain or disclose proper certification of accuracy from the furnisher before reinserting the item.

623 ( a ) ( 3 ) [ 15 U.S.C. 1681s-2 ( a ) ( 3 ) ] Failure to Correct or Update Inaccurate Information Equifax reinserted previously disputed and unresolved data without correction, violating their duty to update or suppress unverifiable data.

611 ( d ) [ 15 U.S.C. 1681i ( d ) ] Failure to Notify of Reinsertion No written notice of reinsertion was sent to me within the five business days required by law.

607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Failure to Ensure Maximum Possible Accuracy The reappearance of an inaccurate and derogatory account without new supporting evidence highlights procedural deficiencies and noncompliance.

Harm and Legal Risk : Significant damage to my credit score Obstruction in securing mortgage pre-approval Emotional distress, time lost, and exposure to higher interest rates Clear breach of my consumer rights and Equifaxs statutory duties This situation is not only negligentit is a blatant violation of federal law, and the continued reinsertion of this account without certification constitutes willful noncompliance.

Relief Sought : Immediate and permanent deletion of the XXXX XXXX XXXX account from my Equifax credit file. 

Written assurance that the account will not be reinserted again unless Equifax fully complies with all reinsertion requirements under the FCRA.

A full investigation by the CFPB into Equifaxs reinsertion and consumer notification policies.

Confirmation that my rights are being acknowledged and protected.

Consideration of civil penalties and financial compensation for the damages suffered. 

Please acknowledge receipt of this complaint and confirm what actions will be taken. I have attached my updated credit report showing the reinserted account and will provide all supporting documentation as needed. 

Thank you for your urgent attention.

Company response to consumer: Closed with explanation