Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX : XX/XX/XXXX | SSN Last XXXX : XXXX Companies involved ( select all that apply ) : Experian Information Solutions , Inc . 
Equifax Information Services LLC TransUnion LLC XXXX XXXX ( furnisher ) XXXX/ XXXX XXXX XXXX, XXXX. ( furnisher ) What happened ( problem summary ) : XXXX XXXX and XXXX tradelines that were previously deleted after my disputes were improperly reinserted to my files with Experian and Equifax ( and I request the CFPB review TransUnion as well ). The reinsertions occurred without the legally required certification and notice. I demanded method of verification and reinsertion notices ; Experian supervisors told me they dont have to provide proof because furnishers are certified creditors. That is false under the FCRA. I have call case numbers and prior dispute records. Im seeking permanent deletion, bureau compliance, and furnisher accountability. 
Accounts at issue ( examples/partials ) : XXXX XXXX Acct # XXXX ( opened XX/XX/XXXX ; appears across bureaus ). 
XXXX XXXX Acct # XXXX ( opened XX/XX/XXXX ; appears across bureaus ). 
XXXX ( concise ) : XXXX XXXX : I sent dispute letters to each bureau addressing XXXX XXXX and XXXX ( and related items ). 
Those disputes resulted in deletions, then 35 months later the same items were reinserted ( improper reinsertion ). 
Sep 2224, 2025 : I sent second formal disputes to all three bureaus specifically listing XXXX XXXX and XXXX. 
XX/XX/XXXX ( Thu ) : Equifax told me nothing negative is reporting, yet my score dropped XXXX points that day. ( Equifax call note included below. ) XX/XX/XXXX : Multiple calls with Experian ( dispute department and a supervisor named XXXX XXXX. They refused to provide method of verification or proper confirmation numbers, repeatedly stating furnishers are certified creditors and do not need to provide proof. Case numbers from Experian provided below. 
Phone-call notes & case numbers ( key excerpts ) : Experian call : agent XXXX provided XXXX # : XXXX ; also read back confirmation XXXX for an updated report request ( call log excerpt supplied ). 
Experian supervisor XXXX ( rude ; would not provide call confirmation IDs ) ultimately gave case # : XXXX repeated the statement that certified creditors do not need to provide proof. 
Equifax call : stated nothing negative reporting despite a XXXX drop on XX/XX/XXXX. 
Why this violates the law ( FCRA citations ) : Improper reinsertion without certification & notice If an item is deleted as a result of a 611 reinvestigation, a CRA may not reinsert it unless the furnisher certifies its accuracy. Within 5 business days of reinsertion, the CRA must notify the consumer with the furnishers name, address, and telephone number. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
I did not receive the required 5-day written reinsertion notice. Experian could not provide it on the phone ; Equifaxs statement that nothing negative is reporting conflicts with the XXXX drop. 
Failure to conduct a reasonable reinvestigation/ provide procedure used CRAs must conduct a reasonable reinvestigation and, upon request, provide a description of the procedure used including the business name, address, and phone number of each furnisher contacted. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 
Experian repeatedly told me they do not need to provide proof because furnishers are certified creditors, which contradicts 1681i. 
Failure to assure maximum possible accuracy CRAs must follow reasonable procedures to assure maximum possible accuracy. 15 U.S.C. 1681e ( b ). 
Furnisher duties after notice of dispute After receiving notice from a CRA, furnishers must conduct an investigation, review all relevant information, and report the results ; if information is inaccurate or can not be verified, it must be modified, deleted, or blocked. 15 U.S.C. 1681s-2 ( b ).

Evidence Im attaching/available to provide : Prior dispute letters showing XXXX  XXXX and XXXX accounts were formally disputed with each bureau ( XXXX XXXX ; again XX/XX/XXXX ). 


Account lists reflecting the XXXX XXXX and XXXX tradelines reported across bureaus. 
Call logs / audio transcripts with Experian ( agents XXXX and XXXX XXXX, including case # XXXX case # XXXX, and the refusal to provide method of verification or call-ID confirmations. 
Equifax call note showing they claimed nothing negative reporting on XX/XX/XXXX, the same day my score dropped XXXX points. 
Copies of any bureau updated report mailings tied to the calls above. 
What I want the companies to do to fix this : Immediately and permanently delete the XXXX  XXXX and XXXX tradelines from Experian, Equifax, and TransUnion unless and until lawful reinsertion standards are met ( with furnisher certification and XXXX notice in writing as required by 1681i ( a ) ( 5 ) ( B ) ). 
Provide me the method of verification and reinvestigation procedure for every relevant dispute, including the name, address, and telephone number of each furnisher and any documents relied upon. 1681i ( a ) ( 6 ) ( B ) ( iii ). 
Correct my credit files and send updated copies showing all corrections. 
Document retention & compliance review : require Experian, Equifax, TransUnion, XXXX XXXX, and XXXX to review their reinsertion, verification, and consumer-notice procedures for FCRA compliance, and certify remediation. 
Any appropriate relief for the harm caused by erroneous reporting and non-compliance. 
Additional details the CFPB should know : Experian agents repeatedly claimed that certified creditors do not need to provide proof to Experian. This is inconsistent with the FCRAs reinvestigation and method-of-verification requirements. 
I have maintained organized dispute records since XXXX XXXX and XX/XX/XXXX, including formal letters to each bureau and account lists naming XXXX XXXX and XXXX. 


If the furnishers or CRAs claim prior fraud coding as the reason for removal/reinsertion, that does not excuse failure to comply with reinsertion certification and 5-day notice requirements. 1681i ( a ) ( 5 ) ( B ). 
Attachments I will upload with this complaint ( or upon request ) : PDFs of my XXXX XXXX dispute letters to Experian, Equifax, TransUnion naming XXXX  XXXX and XXXX. 
PDFs of my Sep 2224, 2025 Second Formal Dispute letters to all three bureaus naming those accounts. 
Experian call transcripts/notes with case # XXXX and case # XXXX showing refusal to provide method of verification and the certified creditor rationale. 
Equifax call note documenting the XX/XX/XXXX XXXX drop narrative versus nothing negative reporting. 
Any updated reports mailed after the calls.

Company response to consumer: Closed with non-monetary relief