Consumer complaint received 2025-10-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint concerns systemic and deliberate violations of federal law by Equifax Information Services LLC a company that has repeatedly proven itself incapable of safeguarding consumer data, maintaining lawful reporting practices, or respecting the rights of American servicemembers. 

Equifax has illegally re-reported a deleted collection account from XXXX XXXX XXXX, which had been previously removed from all three major credit bureaus ( Equifax, Experian, and TransUnion ) following investigation. This reinsertion occurred without lawful notice, verification, or permissible purpose, in direct violation of : The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), The Servicemembers Civil Relief Act ( 50 U.S.C. 3901-4043 ), and The CARES Act 4021 ( Public Law 116-136 ). 

This is not an isolated clerical mistake it is a willful, recurring act of misconduct by an institution that has already compromised my personal data, and millions of others, through its massive 2017 data breach and ongoing negligence. 

II. Detailed Facts The LNVN Funding LLC collection was removed from all credit bureaus after dispute and validation failures. Equifax reinserted the same collection without notice or verification, in violation of FCRA 611 ( a ) ( 5 ) ( B ). 

I am a XXXX veteran, and the alleged account was opened prior to my military service, making it a pre-service obligation protected by the Servicemembers Civil Relief Act ( SCRA ).

I am also a compensated victim of the 2017 Equifax data breach and a victim of the Experian data breach. My personally identifiable information has already been mishandled by these entities, yet Equifax continues to mishandle, misuse, and misreport it. Equifax provided no reinsertion notice, no validation documentation, and no lawful explanation a pattern of disregard that borders on contempt for federal oversight.

III. Violations of Federal Law A. Fair Credit Reporting Act ( FCRA ) : FCRA 611 ( a ) ( 5 ) ( B ) : Equifax failed to notify me within 5 business days of reinsertion of a deleted tradeline.

FCRA 607 ( b ) : Equifax failed to ensure maximum possible accuracy, re-publishing unverified and previously deleted information.

FCRA 616617 : Equifaxs actions are willful and negligent, making it liable for statutory and punitive damages.

B. Servicemembers Civil Relief Act ( SCRA ) The account in question was opened before my military service began.

The SCRA expressly prohibits adverse collection and credit actions on pre-service obligations during and following XXXX XXXX. 
Equifaxs reinsertion constitutes a violation of the SCRAs intent and protections and an act of discrimination against a protected veteran.

C. CARES Act 4021 During covered emergency periods, credit bureaus must preserve accurate and fair reporting.

Equifaxs unlawful reinsertion and mishandling of my file violate both the letter and spirit of the CARES Act, enacted to protect consumers from unfair reporting during national crises. 

IV. Pattern of Negligence and Contempt for Law Equifaxs conduct is not a one-time error its part of an ongoing, documented pattern : In 2017, Equifax allowed one of the largest data breaches in U.S. history , exposing XXXX XXXX Americans. 
Despite federal settlements, Equifax continues to mishandle consumer data, reinsert deleted information, and ignore notice requirements. 
Equifaxs internal systems show an institutional failure to comply with federal statutes designed to protect consumers and servicemembers alike. 
This reflects a corporate culture of profit over compliance, where consumer harm is treated as a cost of doing business. 

V. Harm and Impact The unlawful reinsertion of this deleted account has caused : Direct financial harm through the lowering of my credit scores ; Loss of access to fair credit terms and potential loan denials ; Severe emotional and reputational distress ; Further risk of identity theft and misuse due to Equifaxs known data vulnerabilities. 

As a XXXX veteran, I find it intolerable that I must repeatedly fight to enforce rights explicitly guaranteed under the SCRA and FCRA laws enacted to protect servicemembers from exactly this type of abuse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation