Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am providing proof that Equifax violates FCRA 15 U.S.C 1681i ( a ) ( 5 ) ( B ) for Re-inserted Accounts and refuses to remove the account from my credit after numerous attempts. Equifax has removed the reinserted accounts XXXX XXXX XXXX XXXX ( XXXX ) and XXXX  XXXX. But, refuses to remove XXXX ending in XXXX because it is a negative account, although, it is clear that the account is not reporting accurate information. I HAVE NOT BEEN NOTIFIED BY VIA LETTER OR ANY OTHER MEANS WITHIN 5 DAYS OF REINSERTING THE ACCOUNTS BACK ONTO MY CREDIT FILES OR REPORTS. 

XXXX Disputed, removed, and reinserted FILE DISCLOSURES. 
File Disclosure XXXX XXXX CONFIRMATION XXXX, shows account disputed, XX/XX/XXXX CONFIRMATION XXXX shows account removed, XX/XX/XXXX CONFIRMATION XXXX shows account reinserted History of Events : In XXXX I was notified by XXXX XXXX of some unusual changes to my Equifax report ( XX/XX/XXXX, XXXX XXXX, XXXX ). I noticed that XXXX XXXX was reporting multiple addings ( Re-inserted ) and removals of the following accounts. : XXXX XXXX XXXX XXXX ( Account # XXXX ) and XXXX ( Inquiry ) On XX/XX/XXXX, I contacted Equifax to discuss my concerns with the unusual activity taking place with my Equifax being reported.. I was transferred to " Consumer Affairs Department ''. I spoke with a rep named XXXX ( Call reference # XXXX ). Explained to rep that the accounts had been re-inserted, reporting inaccurate and incomplete information pertaining to the accounts. Agent submitted dispute with reason " Inaccurate information '' Dispute confirmation # XXXX. XXXX XXXX sent a current Equifax report ( File Disclosure confirmation # XXXX ). 

On XXXX upon checking my Equifax I noticed that the dispute had been marked completed, with a completion date of XXXX ( See attachment ). 

On XXXX at XXXX XXXX, I contacted Equifax again regarding issues surrounding the re-inserted accounts and how they're reporting to various 3rd parties. I spoke with rep XXXX ( call reference XXXX ). I explained to XXXX the same thing that was shared with rep XXXX on XXXX. According to XXXX there was a dispute opened and completed on XX/XX/XXXX. XXXX confirmed the reason noted in the comments for the dispute reason was " Inaccurate information ''. XXXX agreed to send an updated File disclosure ( Confirmation # XXXX ). A subsequent dispute request was made regarding the re-inserted information. 

The first week of XXXX, I mailed a re-inserted dispute letter ( Please see attachment ) to Equifax address XXXX XXXX XXXX, XXXX, GA XXXX ( Added dispute letter, ID, and proof of residence ). This was my 3rd attempt at notifiying Equifax that the information being reported was re-inserted information. 

On XXXX I went to my mailbox at XXXX XXXX # XXXX, XXXX XXXX CA XXXX and obtained both Equifax file disclosures sent by Equifax ( XXXX confirmation # XXXX and XXXX confirmation # XXXX ). a review of the reports showed several inaccurate and incomplete information being reported by Equifax. I also, went to " annualcreditreport.com '' to pull and updated Equifax credit report ( Confirmation # XXXX ) and noticed that the information being provided to this third party was also inaccurate and incomplete. 

On XX/XX/XXXX I received a File Disclosure from Equifax that continue to show inaccurate reporting On XXXX XXXX ; Spoke with XXXX XXXX Reference XXXX ) XXXX and XX/XX/XXXX. Agent stated that the dispute was completed and that the " Item belongs to me ''. However, my dispute was not regarding whether account belonged to me. I was disputing the fact that the account was re-inserted. Agent confirmed the dispute reason as being that the " Account had been removed and re-inserted ''. 


FCRA 15 U.S.C 1681e and 1681i violations 3RD PARTY REPORTING AGENCIES have been provided information of the mentioned re-inserted accounts ( XXXX XXXX XXXX XXXX ( Account # XXXX ) and XXXX ( Inquiry ). 


XXXX XXXX XXXX Score XXXX prior to it " Reinserted accounts being placed on report '', XXXX shows over XXXX point drop as a result of accounts being added and double accounts with high utilizations ( I.E : XXXX  XXXX and the reinserted authorized user XXXX Account XXXX ) ANNUAL CREDIT REPORT ( Report # XXXX ) Reinserted accounts : XXXX ( XXXX double inserted ) ; XXXX  ( XXXX ) ; XXXX, XXXX XXXX Inquiry ) XXXX  XXXX double entry ( Added to dropped scores due to appearing that there is two cards max out ) XXXX XXXX Credit Karma Shows multiple changes taking place with removing and adding accounts XXXX XXXX XXXX inserted ) ; XXXX  ( XXXX ) ; XXXX, XXXX XXXX Inquiry ) XXXX  XXXX score also, dropped over XXXX + points MY FICO Shows multiple changes taking place with removing and adding accounts XXXX ( XXXX double inserted ) ; XXXX ( XXXX ) ; XXXX, XXXX XXXX Inquiry ) My Fico ( Most widely used by lenders ) show a score drop of XXXX + as a result of these significant score drops from reinsertion and double accounts added to the Equifax report, agreat deal of harm has been created, because it has taken me from above XXXX to mid-to-high XXXX. The significant XXXX + drop is injurious to my credit worthiness, as this places me in a high-risk bracket and minimizes my opportunities for being approved for credit and/or being charged a higher interest rate. I am a XXXX XXXX investor and rely heavily on my ability to access capital ( Funding ) for real estate projects, so it is essential for my credit to be in good standing. 

This harm now prevents me from being able to access funding due to the picture being painted by Equifax is that I'm irresponsible with credit. 
I have suffered a great deal of stress mentally, emotionally, and financially as a result of this. This has contributed to me having an abnormal XXXX and dangerous XXXX XXXX due the stress related to my ability to access funding and being approved for a home. I was able to purchase a XXXX XXXX truck, XX/XX/XXXX with no money down because my credit was XXXX and I was preparing to purchase a property in XX/XX/XXXX, to open a XXXX group home, but this unforeseen situation had derailed the project.

Company response to consumer: Closed with non-monetary relief