Consumer complaint received 2025-10-07 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: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services Credit Reporting Agency ATTN : Disputes Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Reinserted Accounts in violation of 15 USC 1681 ( 2 ) a Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing in regard to accounts placed on my credit profile that I have no knowledge of nor have I given any written consent for them to be furnished. The accounts listed above were investigated, deemed unverifiable and removed from my credit report. I checked my credit report and noticed these accounts have been placed back on my credit profile. By doing so, your company has violated my consumer rights. Your company has the responsibility of reporting maximum accuracy to my credit report and following protocol. Under FCRA, these accounts can not be reinserted into my consumer profile without written notice within 5 business days, which is now in violation of 15 USC 1681i ( 2 ) A. 
Not only was I never notified but your company has violated multiple of my consumer rights under the FCRA. 
Reporting accounts that I have not given any written permission is in violation of 15 USC 1681 Furnishing accounts in direct result of identity theft is in violation of 15 USC 1681 c-2 Failing to report maximum accuracy to consumer profile is in violation of 15 USC 1681 ( E ) B Please note that your company has reinserted these accounts and failed to complete your due diligence by furnishing accounts without complete verification and reporting inaccurate information more than once. 
Your company has a legal obligation to the protection and privacy of my legal information. 
Please delete the accounts immediately. Please see the attachments included with this dispute. 
I am not a third party credit disputing company, disputing these accounts. 

Best Regards, XXXX XXXX XXXX. FCRA Rules on Reinsertion of Charge-Offs Definition : \nUnder the Fair Credit Reporting Act ( FCRA ), if a credit bureau removes a charge-off ( or any negative item ) from your credit report because it was disputed, they are not allowed to reinsert it without proper notice and certification from the furnisher. 
* If the information was previously deleted as inaccurate or unverifiable, and the furnisher wants to reinsert it, the furnisher must certify its accuracy. 
* The credit bureau must also notify the consumer within XXXX business days of reinsertion.

2. 15 USC 1681i ( a ) ( 5 ) ( B ) Reinsertion of Previously Deleted Information * If an item is removed due to a dispute and later reinserted, the credit reporting agency ( CRA ) must : 1. Get certification from the furnisher that the information is accurate.

2. Notify the consumer in writing within 5 days of the reinsertion.

3. Include the name, address, and phone number of the furnisher.

3. 15 USC 1681i ( a ) ( 2 ) ( A ) Notice of Dispute to Furnisher * When a consumer files a dispute, t
he credit bureau must : -Notify the furnisher of the disputed information within 5 business days. 
-Include all relevant information provided by the consumer.

4. 15 USC 1681c-2 Blocking Information Resulting from Identity Theft * Consumers can request the credit bureau to block reporting of information resulting from identity theft, including fraudulent charge-offs. 
* To do this, the consumer must provide : -Proof of identity.

-A police report or FTC identity theft affidavit.

-A written statement of the dispute 5. 15 USC 1681e ( b ) Requirement of Maximum Possible Accuracy * Credit bureaus must follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports.

* If they fail to do so, and you are harmed by inaccurate reporting ( like a wrongful charge-off ), you may have grounds for legal action.

6. 15 USC 1635 Right of Rescission ( Truth in Lending Act ) * Gives consumers the right to cancel certain credit transactions, typically involving a lien on their primary residence, within 3 business days.

* This is not directly related to credit reporting, but is sometimes cited in broader consumer credit issues.

7. 15 USC 1692g Debt Validation Notice ( Fair Debt Collection Practices Act - FDCPA ) * Requires debt collectors to send a validation notice within 5 days of initial contact.

* Must include : -Amount of the debt.

-Name of the creditor.

-Notice that the consumer has 30 days to dispute the debt or request validation.

Company response to consumer: Closed with non-monetary relief