Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : Reinserted Fraudulent Account XXXX XXXX XXXX ( {$12000.00} ) Demand for Permanent Deletion Under FCRA & Consumer Law To Whom It May Concern, I am writing to formally dispute the reappearance of the following fraudulent account on my Equifax credit report : Creditor Name : XXXXXXXX XXXX XXXX Account Amount : {$12000.00} Issue : Account was previously deleted and has been reinserted without notice, consent, or proper legal procedure. 
This account had previously been investigated and rightfully removed from my credit file due to being the result of identity theft and/or incorrect reporting. I did not authorize this account, nor have I ever maintained any business relationship with XXXX XXXX XXXX. The re-insertion of this derogatory account without prior written notice or proper validation is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

Violations Committed by Equifax : 1. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Reinsertion Notice Requirement A credit bureau must notify the consumer within 5 business days of re-inserting any item that was previously deleted. I was never notified of this reinsertion, which is a clear violation.

2. 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Possible Accuracy The re-reporting of a previously deleted, unverified account without new evidence of accuracy breaches this legal duty.

3. 15 U.S.C. 1681b Permissible Purpose Reporting unauthorized, fraudulent accounts without a valid permissible purpose is illegal under this section.

4. 15 U.S.C. 1681o and 1681n Civil Liability Equifax may be held financially liable for negligent and willful noncompliance with the FCRA, which includes improper reinsertion of accounts. 

5. 15 U.S.C. 1681c-2 Blocks from Identity Theft Once an account has been identified and removed as identity theft, it must be permanently blocked unless proven otherwise.

6. 31 U.S.C. 5118 Violation of Public Trust Mishandling and unauthorized reinsertion of financial information after a known dispute jeopardizes consumer financial integrity.

7. 15 U.S.C. 6801-6802 ( Gramm-Leach-Bliley Act ) Breach of Consumer Privacy Reinserting unauthorized accounts without proper procedures undermines the confidentiality and integrity of my financial data.

Formal Demand : Under the authority of the consumer protection laws cited above, I am demanding the immediate and permanent deletion of the XXXXXXXX XXXX XXXX  account in the amount of {$12000.00} from my Equifax credit file. Furthermore, I request : A full investigation as required under 15 U.S.C. 1681i A detailed explanation of how and why this account was reinserted A copy of any documentation or certification provided by XXXX that Equifax used to justify the reinsertion That you flag this account as disputed during your investigation, per FCRA requirements If this issue is not resolved within the 30-day statutory period, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and may pursue legal remedies under the FCRA and other applicable consumer protection statutes. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief