Consumer complaint received 2025-02-15 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: MO

Complaint narrative:
EQUIFAX is not following the laws under FCRA. There are too many items that has been reinserted onto my credit report. Accounts such as XXXX XXXX which has previously been deleted from my consumer report. Inaccurate addresses which raise my concerns. This item has previously been deleted from my consumer file. Equifax has persistent to continuously violate the rules/regulations under Consumer Law guidelines.

Violation 1 : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

I'd never received a notice regarding the deletion of the account within 5 business days. Only way I was aware was by pulling my consumer report online. XX/XX/XXXX XXXX XXXX was on my report & a report from XX/XX/XXXX & XXXX not have XXXX XXXX. There a deletion report from XXXX. This item should've stayed deleted if both XXXX, XXXX XXXX Equifax are governed under the same laws & regulations. 

Violation 2 : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). 

Similar to the notice of deletion. I'd was never notified of the reinsertion within XXXX business days of the item.Equifax are supposed prevent items from being reinserted back onto the consumers report. 

Equifax does not allow you to download every report online. The latest report I'm only able to download is from XXXX Attached is my Affidavit for victim Equifax XXXX Data Breach as we all aware of. ID Theft report, including statemen, proof of address & identity. 

FCRA SECTION 605B ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation