Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed XXXX XXXX, Account Number XXXX in a letter to Equifax dated XX/XX/year>. I received a response from them dated XX/XX/year> ( attached copy ) in which they stated that the disputed item is not currently reporting on the Equifax credit file. 
In my most recent and latest credit report, the disputed item is again reporting on the Equifax credit file. 
I understand that Equifax is in violation of the Fair Reporting Act numerous times because they can not reinsert this item according to 15 U.S.C. Sec. 1681i ( 5 ) ( B ) ( i ) Certification of accuracy of information. 
If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

They are also in violation of not informing me that they reinserted this item back into my credit report according to 15 U.S.C. Sec. 1681i ( 5 ) ( B ) ( ii ) and violated each of the three paragraphs under ( iii ). 
Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

They did not prevent the reappearance of this formerly deleted item from my credit file, therefore, they are in violation of paragraph C as well. 
( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( I ) ).

Six times Equifax transgressed the Fair Credit Reporting Act and my rights as evidenced above.

According to USC 1681n ( a ) 1 in actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;

Company response to consumer: Closed with explanation