Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Transunion Attn : Consumer Relations Department TransUnion Consumer Solutions XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Re : Discrepancy in Credit Report and Failure to Notify FCRA Section 611 ( a ) ( 5 ) ( B ) Dear Sir/Madam, I am writing to formally address an issue I have encountered regarding the re-reporting of accounts that were previously deleted from my credit report. As required by the Fair Credit Reporting Act ( FCRA ), I believe there has been a failure on your part to comply with Section 611 ( a ) ( 5 ) ( B ), which mandates that a consumer be notified when information is re-added to their credit report following a dispute. 
I recently discovered that several accounts, which were previously deleted, have been re-added to my credit report without my knowledge or consent. Despite the deletion, I did not receive any notification that these accounts would be reinstated, as required under the FCRA. 
As per FCRA Section 611 ( a ) ( 5 ) ( B ), if an item of information that was previously deleted due to a dispute is re-added to a credit report, the credit reporting agency must notify the consumer of the reinsertion within five business days of the reinsertion. This notice should include the name of the creditor and the date of reinsertion. It is my understanding that this procedure was not followed. 
The accounts in question, which were deleted and later reinserted onto my credit report, are as follows : Account XXXX XXXX XXXX XXXX XXXX, Amount : {$870.00} Account XXXX : XXXXXXXX XXXX XXXX  Amount : {$730.00} Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Amount : {$460.00} Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Amount : {$240.00} These accounts were previously deleted from my credit report, but have been wrongfully reinserted. I was not notified of these changes within the five-business-day period, as required by the FCRA. 
As a result of these accounts being re-added to my report, I was recently denied credit when I applied for a loan. The denial was directly caused by these accounts reappearing on my credit file, and this has caused significant financial harm. I am requesting that these accounts be immediately deleted from my credit report to prevent further harm. 
Please consider this letter a formal request for immediate deletion of these accounts, as your failure to comply with the FCRA has resulted in harm to my creditworthiness. If these accounts are not removed within the next 15 days, I will have no choice but to pursue legal action, including filing a lawsuit for damages caused by the violation of my rights under the Fair Credit Reporting Act. 
I request that you respond to this matter within the next 30 days, as required by law, and provide me with a corrected credit report. Failure to do so will result in further legal action, including the filing of complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 
Thank you for your attention to this matter. I expect prompt action and a resolution to this issue. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief