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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the reappearance and continued reporting of a charged-off XXXX  XXXX credit card account in the amount of {$480.00}, originally opened in XXXX, which has been previously removed from my XXXX credit report due to being outdated and unverified. 
This same account is still being reported by your agency, and I am demanding its immediate and permanent removal under the authority of the Fair Credit Reporting Act ( FCRA ) and other federal consumer protection laws. 

Violations of Federal Law : 1. FCRA 605 ( a ) : The FCRA clearly states that negative accounts, such as charge-offs, may only be reported for up to seven years from the date of first delinquency. Any account opened in XXXX, and delinquent shortly after, is at or past the legal limit for reporting. Continuing to report it is unlawful. 
2. FCRA 611 ( a ) ( 5 ) ( B ) : If an account is deleted following a dispute and later reinserted, the furnisher must certify its accuracy, and the consumer must be notified within five ( 5 ) business days of the reinsertion. I did not receive any such notice, making this a clear violation of the law.

3. FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers must not report information they know or have reasonable cause to believe is inaccurate or incomplete. Re-reporting a previously removed, unvalidated, and outdated account is both irresponsible and illegal. 
4. FDCPA 809 ( 15 U.S. Code 1692g ) : If the debt has been sold or transferred to a third party, I demand full validation under the Fair Debt Collection Practices Act. Until legally validated, the account must not be reported or collected. 

Consumer Rights & Precedent This account has already been permanently removed from my XXXX credit report. As such, your agency is obligated to follow suit to ensure compliance and uniformity in consumer reporting under the Equal Credit Opportunity Act ( ECOA ) and FCRA 602 ( A ), which emphasize fair, accurate, and equitable treatment of consumer credit data. 

Demand for Immediate Action Accordingly, I am requesting the following : 1. Immediate and permanent deletion of the XXXX XXXX charged-off account from my credit file. 
2. Written confirmation that the account has been removed.

3. Assurance that this account will not be reinserted unless all FCRA and FDCPA procedures are properly followed. 
Please consider this a formal notice that continued misreporting or failure to comply will result in my filing of a complaint with the Consumer Financial Protection Bureau ( CFPB ) and possible legal action under : FCRA 616 & 617 Civil liability for willful or negligent noncompliance FDCPA 813 ( 15 U.S. Code 1692k ) Consumer 's right to sue for violations Thank you for your prompt attention to this matter. I expect your full response and compliance within 30 days from the date of receipt of this letter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation