Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Reappearance of XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX Accounts with Inconsistent Reporting - Second CFPB Complaint Complaint Description : This is my second formal complaint to the CFPB regarding severe and ongoing inaccuracies by Equifax, XXXX, and XXXX concerning my credit report. Despite previous disputes and the successful removal of XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX, and XXXX XXXX  accounts, these accounts have now reappeared on my credit reports, presenting the same unresolved discrepancies. This continued non-compliance with the Fair Credit Reporting Act ( FCRA ) is unacceptable and requires immediate resolution. 

Bureau-Specific Issues and Details : XXXX. Equifax : XXXX XXXX XXXX XXXX ( XXXX ) Account Information : Account # XXXX Current Status : Charge-off Balance : {$4100.00} Previous Dispute History : Successfully removed following disputes initiated on XX/XX/year> and XX/XX/year>. 
Issue : The account has reappeared with the same incorrect status and balance discrepancies, indicating XXXX failure to ensure accurate reporting. 
Violation : Clear non-compliance with FCRA 607 ( b ) requiring accurate information and 611 ( a ) mandating reasonable reinvestigation. 
XXXX XXXX and XXXX XXXX were previously removed and did not reappear on Equifax. 
XXXX. XXXX : XXXX XXXX XXXX XXXX ( XXXX ) Account Information : Account # XXXX Current Status : Charge-off Balance : {$4600.00} ( inconsistent with Equifax and XXXX ) XXXX Dispute History : Successfully removed following disputes initiated on XX/XX/year> and XX/XX/year>. 
Issue : Account has reappeared with continued balance discrepancies. Experians repeated failure to resolve these inaccuracies demonstrates disregard for FCRA compliance. 
Violation : Inconsistent reporting and failure to maintain data accuracy, violating FCRA standards. 
XXXX XXXX ( Account # XXXX ) Current Status : Negative Balance : {$850.00} Previous Dispute History : This account was previously removed but has now reappeared solely on XXXX, with no reporting on Equifax or XXXX. This inconsistency calls Experians accuracy and compliance into question. 
Violation : Breach of FCRA XXXX ( b ) for accurate reporting. 
XXXX Bank ( Account # XXXX ) Current Status : Charge-off Balance : {$790.00} Previous Dispute History : Successfully removed from Equifax and XXXX but has now reappeared solely on XXXX. 
Violation : Reappearance of previously resolved inaccuracies demonstrates Experians failure to maintain compliance with FCRA XXXX ( b ) and XXXX ( a ). 
XXXX. XXXX : XXXX XXXX XXXX XXXX ( XXXX ) Account Information : Account # XXXX Current Status : Charge-off Balance : {$4100.00} Previous Dispute History : Successfully removed following disputes initiated on XX/XX/year> and XX/XX/year>. 
Issue : The account has reappeared with discrepancies, showing continued non-compliance with the FCRAs accuracy and reinvestigation mandates. 
Violation : Repeated failure to ensure data accuracy and proper reinvestigation in compliance with FCRA 607 ( b ) and 611 ( a ). 
Requested Resolutions : Immediate and Permanent Removal of the XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX Bank accounts from all applicable credit reports due to unresolved inaccuracies despite previous corrective actions. 
Written Confirmation of Removal and Compliance Measures : Documentation of investigations, actions taken, and measures implemented to ensure adherence to FCRA regulations. 
Commitment to Prevent Further Reappearance : Assurances and measures to prevent further recurrence of these reappearing accounts, which undermine the accuracy and integrity of consumer credit reporting. 
The reappearance of previously removed accounts with the same discrepancies indicates a severe lapse in compliance and enforcement of the FCRA. This pattern of negligent and inconsistent reporting across multiple bureaus is causing substantial harm to my credit standing and well-being. I demand immediate corrective action and regulatory intervention to enforce compliance and ensure accurate credit reporting practices. 

Thank you for your prompt attention to this critical issue.

Company response to consumer: Closed with non-monetary relief