Consumer complaint received 2025-07-21 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, LA XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute and demand the immediate and permanent removal of a collection account reported by XXXX XXXX XXXX XXXX in the amount of {$2300.00}, associated with Account # XXXX, which is being reported on my credit file. 
This account was previously removed from my credit report following a dispute due to being outdated, unverifiable, and inaccurately reported. However, it has now reappeared without notice or certification, which is a direct violation of federal consumer protection laws. Furthermore, the creditor is now reporting the account under a shorthand or abbreviated version of their legal name, which is improper and misleading. 

I Have No Contract or Knowledge of This Company I have never entered into any agreement, contract, or business relationship with XXXX XXXX XXXX XXXX, nor am I aware of who they are or what this debt pertains to. I dispute the validity of this debt entirely. 
Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ) ( 15 USC 1692g ), I have the right to full validation of any alleged debt, and until such documentation is provided, the debt can not be legally collected or reported. To date, no such validation has ever been provided to me.

Violations of Federal Law 1. FCRA 605 ( a ) : Negative information such as collection accounts can only be reported for 7 years from the date of first delinquency. Based on the open date of 2019, and assuming the account became delinquent soon thereafter, this debt is nearing or beyond the legal reporting limit. 
2. FCRA 611 ( a ) ( 5 ) ( B ) : A previously deleted account can not be reinserted unless the data furnisher certifies the accuracy, and the consumer is notified within 5 business days. I was never notified, and this is a direct violation of this provision.

3. FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers must report complete and accurate information. Reporting this account under an abbreviated or incorrect business name instead of the full legal name XXXX XXXX XXXX XXXX is deceptive and violates the FCRAs accuracy requirement. 
4. FCRA 607 ( b ) : Consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information they report. Reporting a debt from a company Ive never had dealings with, and under a name that is not their full legal entity name, is inherently inaccurate.

5. FCRA 602 ( a ) : The FCRA aims to ensure fair and equitable treatment of consumers. Misreporting a creditors name and reinserting previously deleted accounts without proper notice are violations of this core principle.

Consumer Protection & Right to Sue If these violations are not immediately corrected, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action under the following : FCRA 616 & 617 Right to sue for willful or negligent noncompliance FDCPA 813 ( 15 USC 1692k ) Civil liability and statutory damages for unlawful collection practices Requested Actions I respectfully demand the following : 1. Immediate and permanent deletion of the XXXX XXXX XXXX XXXX account ( # XXXX ) from all credit reporting agencies. 
2. Written confirmation that the account has been removed.

3. An assurance that the account will not be reinserted without full compliance with all FCRA and FDCPA requirements, including prior notice and proper verification.

4. A full investigation and deletion based on the inaccurate reporting of the creditors name, which is sufficient on its own for removal. 
Please be advised that I am keeping records of all correspondence and will not hesitate to exercise my full rights under the law if this matter is not resolved in my favor within 30 calendar days. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief