Consumer complaint received 2025-06-21 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:
To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Immediate Dispute Unlawful Reinsertion and FCRA XXXX XXXX XXXX XXXX Bank ) Dear Equifax, I am submitting this as a formal dispute and legal demand for the immediate deletion of a previously removed XXXX XXXX XXXX account that was unlawfully reinserted into my credit report. 



Disputed Account Information : Creditor : XXXX XXXXXXXX XXXX Account Type : Line of Credit Opened Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Reporting Bureau : Equifax only ( Not listed on XXXX or XXXX ) FCRA Violations Identified : XXXX. Unlawful Reinsertion Without Notice FCRA XXXX ( a ) ( XXXX ) ( B ) : This account was previously disputed and removed. It has now been reinserted into my Equifax report without the legally required written notice within XXXX ( XXXX ) business days, in clear violation of FCRA XXXX ( a ) ( XXXX ) ( B ). 

I personally spoke to Equifax Supervisor XXXX, on XX/XX/XXXX who openly admitted that Equifax does not send reinsertion letters, which is an admission of systemic noncompliance with federal law. 

This violation alone requires the immediate deletion of the account. 



XXXX. Failure to Provide Method of Verification FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) : I also requested a full method of verification as required by the FCRA. A representative from Equifax, Employee ID XXXX, explicitly told me he could not provide the method of verification. This is a direct violation of my rights under FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). 

You are legally obligated to provide a description of the procedure used to verify the account if I request it after a dispute is marked as verified. 


XXXX. Failure to Ensure Maximum Possible Accuracy FCRA XXXX ( b ) : This XXXX XXXX account is only being reported by Equifax and was removed by XXXX and XXXX, which raises serious doubt about its validity. 

Reinserting such disputed data without independent verification is a failure to maintain maximum possible accuracy, as mandated by FCRA XXXX ( b ). 



XXXX. Failure to Properly Reinvestigate FCRA XXXX ( a ) : Equifax failed to conduct a lawful reinvestigation before reinserting the account. 

A pattern of Equifax not properly reviewing disputes is well-documented and currently under investigation by the Consumer Financial Protection Bureau ( CFPB ) for similar violations, including this very issue. 



DEMAND FOR IMMEDIATE ACTION : I demand the following actions be taken within the legally mandated time frame : XXXX. Permanent deletion of the XXXX XXXX XXXX  account from my Equifax credit file XXXX. A detailed description of the method of verification, including name and contact info of the furnisher XXXX. A full reinvestigation of the item with verifiable proof XXXX. An updated and corrected copy of my credit report Notice of Intent to Escalate : If this matter is not resolved within XXXX days, I will file formal complaints with : The Federal Trade Commission ( FTC ) My State Attorney Generals office I will also consider retaining legal counsel to pursue statutory damages under FCRA XXXX and XXXX. 



Please treat this dispute with urgency. Your repeated failure to follow the FCRA is unacceptable and harmful to my creditworthiness. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation