Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Subject : Formal Complaint Against Equifax for Re-Listing Fraudulent Information and Violating FCRA To Whom It May Concern, I am submitting this formal complaint against Equifax for willfully reintroducing previously disputed and fraudulent information onto my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite submitting multiple disputes with clear documentation indicating that the name XXXX XXXX and all associated addresses are fraudulent and not linked to my identity, Equifax has reinserted this false data onto my credit report. This action demonstrates a blatant disregard for my legal rights as a consumer and has caused XXXX XXXX XXXX, reputational damage, and increased risk of ongoing identity theft. 

Under FCRA 611 ( a ) ( 5 ) ( B ), if a consumer reporting agency deletes information as a result of a dispute, it may not reinsert that information unless it certifies the accuracy of the information and notifies the consumer in writing within five business days. Equifax failed to notify me of any such certification or reinvestigation outcome. This is a direct violation of federal law.

Further, by re-listing data tied to an identity I have explicitly contested, Equifax may be in violation of : FCRA 607 ( b ) : Requiring consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy ; FCRA 605B : Prohibiting consumer reporting agencies from including fraudulent information once an identity theft report has been submitted ; FCRA 623 ( a ) ( 8 ) : Requiring proper investigation and reinvestigation of disputed items ; FCRA 616 & 617 : Liability provisions for willful or negligent noncompliance.

I am formally requesting the following : 1. A full written explanation from Equifax detailing why this fraudulent information was reinserted, and on what basis they determined it was accurate.

2. The name, address, and contact information of the entity that certified the accuracy of the disputed item ( s ).

3. An immediate reinvestigation and removal of the name XXXX XXXX and all addresses linked to that alias. 
4. A copy of my complete consumer file history from Equifax, including all data sources consulted between 2024 and the present.

This misconduct has interfered with my ability to obtain stable housing, has affected child custody arrangements, and may be exposing me to further fraud. Equifaxs actions appear not only negligent but potentially reckless, given prior disputes clearly establishing my identity and the fraudulent nature of the information in question. 

I am requesting that the Consumer Financial Protection Bureau conduct a thorough review of this matter and assist in ensuring that Equifax complies with all federal consumer protection laws. I am also preparing additional reports to the New York State Attorney General, the Federal Trade Commission, and the Social Security Administration, and I reserve the right to seek legal remedy for any further harm resulting from Equifaxs mishandling of my credit file. 

Thank you for your time and attention to this urgent matter.

Company response to consumer: Closed with explanation