Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Follow-Up Complaint Regarding FCRA Violations by Equifax Date of Original Complaint : XX/XX/year>XXXX  Subject : Failure to Conduct a Reasonable Reinvestigation ; Re-reporting of Previously Deleted Fraudulent Accounts To Whom It May Concern, Subject : Legal Demand for Immediate Deletion of Fraudulent Accounts Violations of FCRA, FDCPA, and Identity Theft Protections To Whom It May Concern, I am writing to formally demand the immediate deletion of the following fraudulent accounts listed on my Equifax credit report, which are the result of identity theft and unlawful debt bondage : XXXX XXXX XXXX XXXX XXXX XXXX I previously filed a dispute on XX/XX/year>, and submitted supporting documentation, including identity theft reports, affidavits, and/or relevant correspondence. Despite this, your agency has : Failed to conduct a reasonable reinvestigation, in violation of FCRA 611 ( a ) ( 1 ) ( A ). 

Failed to provide a description of the verification process, in violation of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Failed to disclose the sources of the information used to " verify '' the accounts, violating FCRA 609 ( a ) ( 1 ).

Reinserted previously deleted fraudulent accounts without the legally required written notice, violating FCRA 611 ( a ) ( 5 ) ( B ).

Ignored my right to block fraudulent accounts under FCRA 1681c-2 ( Section 605B ).

Permitted or assisted the collection or reporting of debts known to be fraudulent, in violation of FDCPA 807 ( 15 U.S. Code 1692e ) if working in concert with debt collectors.

As a victim of identity theft and coerced financial abuse ( debt bondage ), I am exercising my rights under federal law. These violations have caused and continue to cause irreparable harm to my credit, emotional distress, and have prevented me from obtaining financial relief. 

The accounts in question are : XXXXXXXX XXXX XXXX XXXXXXXX {$460.00} XXXXXXXX XXXX {$12000.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$11000.00} These accounts are the result of identity theft, which I have repeatedly documented with valid and sufficient supporting evidence. Equifaxs previous response indicated the accounts were removed due to investigation findings and then placed the items back on my report " verified, '' but failed to : Provide a description of the procedure used to determine the accuracy and completeness of the information, as required by FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ). 

Furnish documentary proof from the furnishers or explain how the information was verified, as required by FCRA Section 611 ( a ) ( 2 ).

Identify the sources and documents used in their verification process, in violation of FCRA Section 609 ( a ) ( 1 ).

To make matters worse, Equifax has now reinserted these previously deleted accounts into my credit file without notification, further violating FCRA Section 611 ( a ) ( 5 ) ( B ), which requires that if information is reinserted, the consumer must be notified in writing within 5 business days along with the name of the furnisher and a statement that the consumer has the right to add a statement of dispute.

This action by Equifax is not only unacceptableit is illegal.

Company response to consumer: Closed with non-monetary relief