Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX XXXX, IL XXXX XX/XX/year> Equifax Inc. 

Attn : Legal Department / Consumer Complaints XXXX. XXXX XXXX XXXX, GA XXXX Subject : Final Demand for Compliance and Preservation of Evidence FCRA Violation and Misrepresentation To Whom It May Concern, This letter serves as a final formal demand and notice to preserve evidence in relation to violations of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) concerning a reinsertion of a previously removed item on my credit report. 



VIOLATION OF FCRA & FALSE REPRESENTATION On XX/XX/year>, I spoke with Equifax Supervisor XXXX, who claimed that a reinsertion notice had been mailed to me on XX/XX/year>, and provided confirmation number ending in XXXX. 



On XX/XX/year>, at approximately XXXXXXXX XXXX XXXX, I spoke with Equifax representative XXXX, who searched my file and verified that : No reinsertion notice was sent No letter exists in the system No mail was sent on XX/XX/year>, through any service, including XXXX, certified mail, or tracked delivery This contradiction represents not only a violation of my consumer rights but also intentional misrepresentation by Equifax staff. 



PRESERVATION OF CALL RECORDINGS I am hereby demanding that Equifax preserve and produce the full audio recordings for the following phone calls, which are legally relevant to this matter : XX/XX/year> at XXXX call with supervisor Soya who stated " Equifax does not notify consumers they do not send out reinsertion notices '' XX/XX/year> Call with Supervisor XXXX XXXX where she confirmed a reinsertion notice was sent confirmation ending in XXXX XX/XX/year>, at XXXXXXXX XXXX XXXX Call with Representative XXXX XXXX who confirmed no reinsertion notice exists ending in XXXX no notice was sent out as she checked my profile, and sent notices tab no notice exists. 



You are legally required to preserve these recordings as part of potential litigation and regulatory complaints. If Equifax fails to retain or disclose these records, I will consider that spoliation of evidence, which will be reported to the appropriate authorities. 



DEMAND FOR ACTION I am formally demanding that Equifax : XXXX. Immediately remove the reinserted account from my credit report due to failure to follow required reinsertion procedures XXXX. Provide a written explanation as to why the required reinsertion notice was not issued XXXX. Provide a copy of all outgoing mail records for XX/XX/year> XXXX. Produce the audio recordings of both calls listed above If I do not receive a full response and resolution within XXXX calendar days, I will file suit in XXXX XXXX small claims court and XXXX escalate the matter to federal court, as well as file complaints with the Illinois Attorney General and Federal Trade Commission. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation