Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The Illegal Reinsertion of a Deleted Account ( XXXX XXXX XXXX ) I am challenging the XXXX XX/XX/XXXX account ( Acct # XXXX ) because it is an illegal reinsertion of information that was previously removed from my credit file.I possess written confirmation from Equifax itself that this item was previously deleted. The confirmation explicitly stated : " XXXX XXXX XX/XX/XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. " Despite this, Equifax has reinserted the account onto my report.This reinsertion is a direct and willful violation of FCRA $ \S {$610.00} ( a ) ( 5 ) ( B ). This law requires that if a deleted item is to be reinserted, the credit bureau must provide me with written notification of the reinsertion within XXXX business days.I have received no such notification. The reinsertion is therefore unlawful on its face.The prior deletion already created a presumption that this item is unverifiable, and the continued, illegal reporting has caused me significant financial and emotional harm.ISSUE B : Reporting a Balance Due on a Canceled Debt ( XXXX XXXX XX/XX/XXXX ) I am challenging the XXXX XXXX XX/XX/XXXX XX/XX/XXXX account ( Acct # XXXX ) because it is being reported with a material misrepresentation of its legal and financial status.This debt was subject to a charge-off and the creditor, XXXX XXXX XXXX issued an IRS Form XXXX, Cancellation of Debt.The issuance of a XXXX carries significant legal weight, as it informs the IRS that the debt has been canceled. To continue reporting this item with a " balance due '' after that is a factual and legal impossibility that misleads every creditor who views my report.The furnisher is violating its duty under FCRA $ \S {$620.00} ( a ) ( 1 ) ( A ), which requires them to report only complete and accurate information. A debt that has been canceled for tax purposes can not accurately be reported with a balance due.When I previously disputed this, Equifax 's response merely stated they " VERIFIED THAT THIS ITEM BELONGS TO YOU. '' This is an unacceptable and perfunctory investigation that failed to address the core legal and factual dispute : the XXXX. The law demands a proactive and critical examination of disputed information. 


FCRA Section 611a5B is violated because no written notification of the reinsertion of the previously deleted XXXX account was ever provided to me. 

FCRA Section 611a5A is violated by reporting the XXXX account which was previously deleted and remains unverified, when the law mandates deletion of unverified information. 

FCRA Section 623a1A is violated by the XXXX XXXX furnisher for reporting a balance due on a debt that was officially cancelled and for which a Form XXXX was issued. 

FCRA Section 611e is violated by the credit bureau 's failure to follow reasonable procedures to ensure the maximum possible accuracy when investigating the XXXX XXXX account and ignoring the XXXX evidence. 

FCRA Section 1681n and FCRA Section 1681o are violated by the continued willful and negligent non-compliance with the law, creating my right to seek damages.

Company response to consumer: Closed with non-monetary relief