Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
Background and Context This complaint concerns the Bank XXXX XXXX XXXX ( Account ending in XXXX ) which was previously deleted on XX/XX/XXXX, and has since been reinserted and updated again on XX/XX/XXXX, without written notice to the consumer. 

The account was closed on XX/XX/XXXX, yet continues to appear with false updates, re-aged reporting, and inconsistent data across bureaus. This constitutes knowing and willful violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Despite multiple disputes, this inaccurate tradeline persists, demonstrating gross negligence or intentional misconduct. 

Key Inconsistencies and Evidence Illegal Reinsertion Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) This account was marked Deleted by TransUnion and Experian on XX/XX/XXXX. 

The same tradeline was reinserted by all three CRAs in XX/XX/XXXX without any reinsertion notice to the consumer. 

The FCRA requires that any reinserted information must be certified as accurate by the furnisher and that the CRA must notify the consumer within XXXX business days of reinsertion neither occurred here. 

Re-Aging of a Closed Account ( FCRA 623 ( a ) ( 5 ) ) The account was closed on XX/XX/XXXX, yet XXXX XXXX is now listed as XX/XX/XXXX, over XXXX years later. 

This is clear re-aging, which artificially extends the time the account remains on file and misrepresents its payment history. 

XXXX XXXX XXXX XXXX Equifax lists the account as XXXX XXXX. 

Experian lists Account Closed at XXXX XXXX XXXX. 

TransUnion lists Account Closed by XXXX XXXX. 
These designations can not simultaneously be true. The CRAs have failed to ensure uniform and accurate data, violating FCRA 1681e ( b ). 

Inconsistent XXXX Histories Equifax displays lates ( XXXX, XXXX, XXXX, 120 days ) up through XXXX, although the account was inactive since XXXX. 

Experian also reports a XXXX late payment ( CO in XX/XX/XXXX ). 
This proves the account was illegally re-aged to appear as recently delinquent, further harming the consumers credit profile. 

Failure to Validate or Provide Proof of XXXX XXXX signed documentation or contractual agreement has been provided in response to prior disputes. 

Furnishing unverifiable or unvalidated data violates FDCPA 809 ( b ) and FCRA XXXX ( a ) ( XXXX ) ( A ). 

Legal Violations FCRA Violations 602 ( A ) ( 1 ) Failure to ensure fair and accurate credit reporting.

607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Failure to maintain maximum possible accuracy.

611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation.

611 ( a ) ( 5 ) ( A ) - ( B ) Reinsertion of deleted information without notice or certification.

623 ( a ) ( 1 ) ( A ) Furnishing information known to be false or unverifiable.

623 ( a ) ( 3 ) Failure to clearly note that the account remains disputed.

623 ( a ) ( 5 ) Illegal re-aging of account data beyond the true delinquency date.

FDCPA Violations 1692e ( 2 ) ( A ) False representation of the character or legal status of a debt.

1692e ( 8 ) Failure to communicate that the account remains in dispute.

1692f ( 1 ) Continuing to report or collect a debt not authorized by law or contract. 

XXXX Engaging in deceptive practices by continuing false reporting after disputes. 

XXXX Rights XXXX federal law, I have the right to : Be notified in writing of any reinsertion of deleted information. 

Have inaccurate or unverifiable data permanently deleted. 

Obtain certification proof if Bank XXXX XXXX or a CRA reinserted the tradeline. 

Seek monetary damages for willful or negligent violations.

Company response to consumer: Closed with non-monetary relief