Consumer complaint received 2025-04-13 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:
I mailed certified XX/XX/25, to Equifax Information Services LLC, to update my personal and to remove inaccurate addressess, they were removed XX/XX/25. 

I am writing to formally dispute the unauthorized re-insertion of previously deleted address information on my credit report. According to my records, the following address ( es ) were successfully removed from my credit file after a previous dispute : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX However, I have recently reviewed my credit report and noticed that these addresses have been reinserted without proper notice or justification, in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ].

According to the FCRA, if any information is deleted from a consumers file and is later reinserted, the consumer reporting agency must : 1. Notify the consumer in writing within 5 business days of the reinsertion ; 2. Include a statement that the information was reinserted ; 3. Provide the business name and address of the furnisher of the information ; and 4. Ensure the information is certified by the furnisher as accurate and complete.

To date, I have received no such notice, which means this reinsertion was not only improper but potentially unlawful.

Therefore, I am requesting the following actions : 1. Immediate removal of the reinserted address ( es ) from my credit file ; 2. A full investigation into how and why this data was reinserted without proper notice ; 3. Written confirmation that this data has been removed and will not be reinserted unless it complies with FCRA reinsertion requirements.

I am writing to formally notify you of violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I recently initiated a dispute regarding one or more items on my credit report with Equifax, which remains unresolved and under investigation. However, I have been made aware that Equifax has allowed updates or modifications to my credit file while the dispute is still pending, including changes made by furnishers related to the disputed accounts.

Allowing furnishers to update or reinsert inaccurate or unverifiable information during this dispute process may constitute a violation of the FCRA, as it interferes with my rights to a fair and thorough investigation and may cause further harm to my creditworthiness.

Please be advised that under FCRA 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ), the credit reporting agency is required to conduct a reasonable investigation and ensure that disputed information is not reported in a manner that is misleading or inaccurate during the investigation. Additionally, any updates or alterations to the information that are not a direct result of the dispute resolution process may compromise the integrity of the dispute and lead to the reporting of inaccurate information.

I am requesting the following : 1. Immediate suspension of all reporting or updates related to the disputed account ( s ) until the dispute investigation is fully resolved.

2. A detailed explanation of any changes made to my credit file during the dispute process, including the source and nature of the updates.

3. Confirmation that no further modifications will be made to the disputed information until the investigation is concluded and results have been communicated to me in writing.

Company response to consumer: Closed with explanation