Consumer complaint received 2025-01-22 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: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : This letter serves as my formal dispute regarding the unauthorized and unjustifiable reinsertion of inaccurate and incomplete information on my credit report. This information had previously been removed due to its inaccuracy, yet it has been reinserted without proper justification, in blatant violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

The fact that this reinsertion occurred without my notification or evidence of proper certification from the furnisher is an egregious violation of federal law. This misconduct reflects a failure to comply with procedural safeguards mandated by the FCRA and demonstrates gross negligence in handling consumer disputes. 

Accounts in Dispute XXXX. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXXXXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT. 
This account was previously disputed and removed from my credit report due to its inaccuracies. Its reinsertion, without compliance with FCRA requirements, is not only illegal but a direct attack on my financial integrity. 


XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXXXXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT. 
This account was previously disputed and removed from my credit report due to its inaccuracies. Its reinsertion, without compliance with FCRA requirements, is not only illegal but a direct attack on my financial integrity. 

XXXX. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
This account was previously disputed and removed from my credit report due to its inaccuracies. Its reinsertion, without compliance with FCRA requirements, is not only illegal but a direct attack on my financial integrity. 

XXXX. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
This account was previously disputed and removed from my credit report due to its inaccuracies. Its reinsertion, without compliance with FCRA requirements, is not only illegal but a direct attack on my financial integrity. 

XXXX. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Please remove it from my credit report .This account was previously disputed and removed from my credit report due to its inaccuracies. Its reinsertion, without compliance with FCRA requirements, is not only illegal but a direct attack on my financial integrity. 


The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX CON U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Date of inquiry : XX/XX/XXXX DELETE FROM MY CREDIT REPORT. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX0. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 



XXXX. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Date of inquiry : XX/XX/XXXX DELETE FROM MY CREDIT REPORT. 

XXXX. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Date of inquiry : XX/XX/XXXX DELETE FROM MY CREDIT REPORT. 


XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX Violation of Federal Law As outlined in the FCRA : FCRA 611 ( a ) ( 5 ) ( B ) ( i ) : Any reinsertion of deleted information requires certification from the furnisher that the information is complete and accurate.

FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) : Upon reinsertion, the consumer must be notified within five business days, including the name and contact information of the furnisher who provided the certification.

I have received no such notification, nor is there any evidence that the furnisher certified the accuracy of this information. This failure constitutes clear noncompliance with federal law and reflects XXXX 's complete disregard for its legal responsibilities. 

Impact of Experians Negligence Your reckless and unlawful reinsertion of inaccurate information has caused significant and measurable harm to my life, including : Damage to my credit profile and financial standing, resulting in higher interest rates and denial of credit opportunities. 
Professional harm, including a recent denial of employment. My prospective employer performs credit checks as part of their hiring process, and the adverse information you unjustly reported directly contributed to my disqualification. 
This constitutes an adverse action under 15 U.S.C. 1681m of the FCRA. Your actions have not only damaged my reputation but also caused undue financial and emotional distress.

Demands for Immediate Action I demand the following actions be taken immediately : Removal of all inaccurate and incomplete information regarding the ( Listed accounts ) and any other erroneous entries.

Full investigation and verification of any information you claim is accurate, with proof provided to me.

If you can not certify the accuracy of this information in compliance with FCRA requirements, delete it immediately. 
Failure to comply with my demands will result in further legal action. I am prepared to escalate this matter to my attorney, and regulatory agencies, and pursue damages for your negligence. 

Legal Precedents Supporting My Claim Your actions are not only unlawful but have been consistently rejected in court : XXXX XXXX XXXX XXXX XXXX. Requires proper validation and cessation of collection efforts without it. 

XXXX XXXX XXXX Prohibits further collection efforts without proper debt validation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mandates accurate and complete validation of any reported debts. 

Additionally, under the XXXX XXXX XXXX Reform and Consumer Protection Act, Congress established the Civil Penalty Fund to compensate victims of companies like yours that violate federal consumer protection laws.

Final Warning I am sending this letter via certified mail to protect my rights and create a record of your responseor lack thereof. If you fail to act in compliance with federal law, I will : File complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Pursue damages for the financial and reputational harm you have caused. 
Refer this matter to my attorney for litigation, which may include seeking compensation for statutory and punitive damages.

You have 30 days to complete this investigation as mandated by FCRA Section 611 ( a ) ( 1 ) ( A ). Be advised that I do not consent to E-OSCAR or any other automated verification system. I demand a full, manual investigation and a detailed Method of Verification ( MOV ) for any information you choose to report.

This matter is of the utmost urgency, and I will not tolerate any further mishandling of my dispute. Take this letter seriously, and comply with the law immediately to avoid further consequences. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief