Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Formal Dispute and Request for Immediate Deletion Willful Non-Compliance as Fraud To Whom It May Concern : I am formally disputing the accuracy and legality of the above-referenced account appearing on my credit report, under my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ).

Despite prior attempts to resolve this matter directly with the furnisher and the credit reporting agencies, the account in question continues to be reported inaccurately and without proper verification. This constitutes willful non-compliance with the FCRA, and I am now escalating this issue to the Consumer Financial Protection Bureau ( CFPB ) for immediate investigation and resolution.

Grounds for Dispute : Lack of Proper Verification : The furnisher has failed to provide legally sufficient documentation to verify the accuracy and ownership of the account. Violation of FCRA Procedures : The continued reporting of this account without proper reinvestigation violates 15 U.
S.C. 1681i ( a ), which mandates a timely and thorough reinvestigation of disputed information.

Willful Non-Compliance and Fraud : The persistent reporting of unverifiable and inaccurate information, despite notice of dispute, may constitute willful non-compliance and fraudulent misrepresentation under federal law. 

Requested Action : I respectfully request the CFPB to : Investigate the reporting practices of the furnisher and the credit reporting agencies involved.

Enforce compliance with the FCRA and any other applicable consumer protection statutes.

Direct the immediate deletion of the disputed account from all consumer reporting agencies due to failure to verify and continued willful non-compliance.

I am formally disputing multiple accounts that have been previously removed from my credit report following valid disputes. These accounts have now been reinserted without proper notice or verification, which is a direct violation of the Fair Credit Reporting Act ( FCRA ).

Legal Violations : Failure to Notify of Reinsertion Under FCRA 1681i ( a ) ( 5 ) ( B ), if a credit reporting agency reinserts previously deleted information, it must notify the consumer in writing within 5 business days. I have not received any such notice. 
Failure to Certify Accuracy Before Reinsertion Per FCRA 1681i ( a ) ( 5 ) ( A ), the information must be certified by the furnisher as accurate before it can be reinserted. There is no evidence that this certification occurred.

Failure to Conduct Reasonable Reinvestigation Under FCRA 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. The repeated reinsertion of previously disputed and removed accounts suggests that no proper reinvestigation was conducted.

Willful Non-Compliance and Negligence. These actions may constitute willful non-compliance under FCRA 1681n and negligent non-compliance under FCRA 1681o, both of which are grounds for legal action and damages.

I am attaching all relevant documentation, including prior dispute letters, responses ( if any ), and copies of my credit report showing the disputed account. 

Thank you for your attention to this urgent matter. I trust the CFPB will act swiftly to protect my rights and ensure fair and accurate credit reporting.

Company response to consumer: Closed with explanation