Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have been a victim to identity theft for years now, since my wallet was stolen from my gym locker, it has been fraudulent activity placed on my credit report and right now there is a XXXX XXXX XXXX XXXX account that should have never been reported to my credit in the first place as it is fraudulent. But once all 3 credit agencies received my identity theft documentation and necessary docs from the FTC website when a consumer is a victim of i.d theft, they all removed this fraud account IN XXXX, but then in XXXX, only EQUIFAX seem to of Reinsert this item. How? What was the premises that you used to reinsert such information on my report that the other TWO bureaus deemed otherwise not enough. Equifax is willingly violating my consumer rights. I am going to SUE YOU EQUIFAX for {$1000.00} per month in damages that this fraud information is keep being reported. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. 
Requirements relating to reinsertion of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
Please furnish me with copies of any and all such certification. 
If any information that has been deleted from a consumer 's 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 or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. 
Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

Please furnish me with the required statements and data ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information.

( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

In accordance with the above requirements of the FCRA, i demand you furnish me with all requested material within 15 days

Company response to consumer: Closed with non-monetary relief