Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
Subject : Illegal Repossession Reporting, Identity Theft, Reinsertion Violations, and Impermissible Access Full Deletion Requested under FCRA and UCC I am filing a formal complaint against Equifax Information Services LLC for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC 9-610, 9-611, 9-614, and 9-616 ). My Equifax credit report contains inaccurate, illegally reinserted, and unverifiable information related to a repossession, as well as unauthorized credit inquiries. 

XXXX. XXXX XXXX XXXX ( Auto Loan / Repossession ) This account was removed from both XXXX  and XXXX  after verified disputes but remains on Equifax, despite being legally unverifiable. XXXX never provided me with : A Right to Redeem notice ; A Notice of Sale or Auction ; or A Post-Sale Deficiency or Accounting Statement, as required by UCC 9-611, 9-614, and 9-616. 

I was never informed when or where the vehicle was auctioned, what it sold for, or how any deficiency balance was calculated. Because XXXX failed to meet the statutory requirements governing repossession and deficiency notice, the reporting of any balance or repossession status is illegal and unverifiable. 

This violates : FCRA 623 ( a ) ( 1 ) ( A ) duty to report accurate information ; FCRA 611 ( a ) ( 1 ) failure to correct after prior dispute ; FCRA 616 willful non-compliance and continued inaccurate reporting ; and UCC 9-611, 9-614, and 9-616 failure to give proper notice of sale and deficiency.

I demand immediate and permanent deletion of the XXXX account for failure to comply with all state and federal consumer-protection laws. 

2. XXXX XXXX XXXX ( Acct # XXXX ) This account was previously deleted and later reinserted without notice or certification, which violates FCRA 611 ( a ) ( 5 ) ( B ). I was never a confirmed borrower, never made any payments, and this account appears to be linked to identity theft. Equifax must permanently delete and suppress this item from reinsertion. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX These accounts show duplicate or obsolete entries that are not valid obligations of mine. Under FCRA 605 ( a ), any obsolete or unverifiable data must be deleted. 

4. Unauthorized Hard Inquiries ( XXXX XXXX  ) The following inquiries were made without my written authorization, violating FCRA 604 ( a ) ( 2 ) and 604 ( f ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX entries ), XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. 
These entities accessed my credit file without permissible purpose and must be removed under FCRA 605 ( a ) ( 5 ). 

5. Identity Theft and File Accuracy Violations My report also contains unrelated personal identifiers and an outdated address ( XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ). Under FCRA 607 ( b ), Equifax must ensure maximum possible accuracy and remove any identifiers not belonging to me. 

I request immediate reinvestigation and written confirmation of all deletions under FCRA 611 ( a ) ( 1 ) and 611 ( a ) ( 5 ) ( A ) within 30 days.

Company response to consumer: Closed with non-monetary relief