Consumer complaint received 2025-08-22 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: VA

Complaint narrative:
SUBJECT : SECOND WILLFUL FCRA VIOLATION ILLEGAL REINSERTION FINAL NOTICE BEFORE EXPANDED LITIGATION To : [ Equifax / Experian Executive Offices Attn : Legal Department ] CC : CFPB, FTC, State Attorney General, Consumer Litigation Counsel This is not a dispute. This is a final pre-litigation demand concerning your SECOND willful violation of the Fair Credit Reporting Act specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) for illegally re-inserting previously deleted accounts without the required 5-day written notice.

This is now the second time that Experian and Equifax have illegally reinserted previously deleted accounts ( student loans and XXXX ). Your actions are not only unlawful but willful, and we are no longer treating this as a clerical mistake this is an ongoing violation of federal law that has caused continued harm.

You are in direct violation of the following provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681c-2 ( c ) ( 1 ) : You failed to provide proper notice before re-reporting information that was previously blocked as the result of an identity theft dispute.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : You failed to notify me in writing within 5 business days of reinserting information that had previously been deleted.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You failed to conduct a reasonable reinvestigation before re-reporting disputed accounts.

15 U.S.C. 1681e ( b ) : You failed to follow reasonable procedures to assure maximum possible accuracy.

This is not a casual complaint. Litigation has already been initiated. We are preparing claims for actual damages, statutory damages ( {$1000.00} per violation, per bureau ), punitive damages, and attorneys fees as allowed under 15 U.S.C. 1681n and 1681o.

This is not an error. This is calculated misconduct the kind of reckless disregard that federal courts punish with statutory, actual, and punitive damages. You have now exposed yourself to : $ XXXX per violation in damages Punitive damages for repeated willful noncompliance ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Full attorneys fees under 1681n ( 3 ) Discovery and depositions into your internal dispute-handling procedures You have XXXX defense here. Case law is explicit : XXXX v. XXXX XXXX, XXXX XXXX XXXX Reinsertion without statutory notice is a per se willful violation. 


XXXX v. Equifax, XXXX XXXX XXXX Reinsertion of previously deleted tradelines creates automatic liability. 


XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Willful FCRA violations warrant punitive damages. 


Here is what will happen next : If this matter is not fully resolved within 5 calendar days, I will expand my already initiated litigation to include both violations and seek maximum damages in federal court. 


I will subpoena your dispute logs, e-Oscar records, and internal communications to prove that this was not a mistake but a conscious decision. 


I will submit a formal complaint to the CFPB, FTC, and my state Attorney General documenting both violations and your continued disregard for federal law. 


Final Settlement Window : Immediate and permanent deletion of all reinserted accounts from every reporting system under your control. 


Written confirmation of deletions within 5 days. 


Payment of {$25000.00} to settle this matter without further litigation. 


Failure to comply will result in me filing the amended federal complaint and serving your registered agent. At that point, your exposure multiplies, your legal costs skyrocket, and settlement will no longer be an option. 
This is your last opportunity to avoid a public, costly, and losing battle in court. 
These accounts was already blocked due to fraud. You had no legal grounds to reinsert the data. 
Below are the specific accounts you unlawfully reinserted : 1. DEPT OF EDUCATIONXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Originally Blocked : XX/XX/XXXX DEPT OF EDUCATIONXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Originally Blocked : XX/XX/XXXX DEPT OF EDUCATIONNELN Account Number : XXXX * * * * * * * * * * * * * * Date Originally Blocked : XX/XX/XXXX DEPT OF EDUCATIONXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Originally Blocked : XX/XX/XXXX DEPT OF EDUCATIONXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Originally Blocked : XX/XX/XXXX DEPT OF EDUCATIONXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Originally Blocked : XX/XX/XXXX DEPT OF EDUCATIONXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Originally Blocked : XX/XX/XXXX DEPT OF EDUCATIONXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Originally Blocked : XX/XX/XXXX DEPT OF EDUCATIONXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Originally Blocked : XX/XX/XXXX DEPT OF EDUCATIONXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Originally Blocked : XX/XX/XXXX DEPT OF EDUCATIONXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Originally Blocked : XX/XX/XXXX DEPT OF EDUCATIONXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Originally Blocked : XX/XX/XXXX DEPT OF EDUCATIONXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Originally Blocked : XX/XX/XXXX DEPT OF EDUCATIONXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Originally Blocked : XX/XX/XXXX DEPT OF EDUCATIONXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Originally Blocked : XX/XX/XXXX DEPT OF EDUCATIONXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Originally Blocked : XX/XX/XXXX DEPT OF EDUCATIONXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Originally Blocked : XX/XX/XXXX DEPT OF EDUCATIONXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Originally Blocked : XX/XX/XXXX DEPT OF EDUCATIONXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Originally Blocked : XX/XX/XXXX 19.XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Originally Blocked : XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation