Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Reinserted and Inaccurate Account Reporting FCRA Violation To Whom It May Concern, This letter is a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, regarding a reinserted and inaccurately reported account that is currently being reflected on my Equifax credit report. 



XXXX. REINSERTION VIOLATION NO NOTICE PROVIDED On XX/XX/XXXX, an account was reinserted into my credit report without providing me the required five-day written notice as mandated under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ). Equifax failed to notify me of this reinsertion by mail or any other traceable delivery method. 



I have spoken with multiple Equifax representatives regarding this matter : on XXXX XXXX XXXX stated Equifax does not issue out reinsertion notices which is on a recorded call which is a noncompliance violation On XX/XX/XXXX, Supervisor XXXX informed me that a reinsertion notice was mailed out on XX/XX/XXXX, and gave me confirmation number XXXX. 

On XX/XX/XXXX, Representative XXXX confirmed at XXXX XXXX that no such notice exists, and no letters were mailed from Equifax on that date or regarding this account. 



These statements directly contradict one another, proving that I was either misled or Equifax failed in their duty to properly notify me of reinsertion. This is a clear violation of my rights under the FCRA. 



XXXX. INACCURATE REPORTING OF ACCOUNT STATUS AND HISTORY Upon reviewing the reinserted account on my Equifax credit report, I noticed the following inconsistencies : Date Opened : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Date Closed : XX/XX/XXXX Despite being marked as closed in XX/XX/XXXX, the account is shown as Current for : XX/XX/XXXX ( the same month it was allegedly closed ), XX/XX/XXXX, And XXXX through XX/XX/XXXX. 



This is inaccurate and materially misleading. A closed account should not reflect an ongoing Current status in the months following closure. Furthermore, Equifax is the only credit bureau reporting this account, which raises further questions about the legitimacy and accuracy of the data being reported. 



3. REQUEST FOR ACTION I am demanding that Equifax take the following actions immediately : 1. Remove the reinserted account from my credit report due to failure to provide the required reinsertion notice and inaccurate reporting.

2. Conduct a full reinvestigation into this account and provide a detailed written explanation of its status and history. 

3. Provide all supporting documentation used to verify this account, including : Communications logs Reinsertion date records Explanation for reporting Current status after account closure 4. Confirm removal or correction of this account in writing within 30 days, as required by the FCRA. 




Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation