Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12025638
Complaint Overview
Complaint ID: 12025638
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Illinois
ZIP Code: 60621
Date Received: 2025-02-10T12:00:00-05:00
Date Sent to Company: 2025-02-10T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute the reinsertion of the following item ( XXXX ) into my credit report : XXXX XXXX Original Removal Date ( XXXX XXXX ) Under Section 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency is required to notify the consumer within XXXX business days if any previously deleted information is reinserted into their credit report. I did not receive any such notification regarding the reinsertion of this information. Furthermore, the reinsertion of this account ( XXXX ) may violate the provisions of the FCRA, as the credit bureau must verify and certify the accuracy of the information before it is reintroduced into a consumers credit report. I request that you Immediately investigate and provide the required certification of accuracy for this reinsertion, Remove the reintegrated item ( XXXX ) if certification can not be provided, Provide a detailed explanation of your findings in writing, along with any supporting documentation. Please note that this letter is a formal dispute under the FCRA, and I expect your response within the legally required timeframe of 30 days. Failure to comply with this request may result in further action. I want to acknowledge Equifax have stated in my previous dispute XXXX XXXX whereas this account ( XXXX XXXXXXXX ) was deleted it states We have researched the credit account and the item has been deleted from the credit file. To better assist me with understanding the results of my dispute please review information below if item states deleted, we have removed it from your credit report and taken steps so it does not reappear what steps have youll taken? Because it has reappeared, what methods are Equifax using? To my knowledge this explains accuracy to the current lawsuit with the CFPB due to Equifax ignoring consumer documents and evidence submitted with disputes, allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers about the results of its investigations, and used flawed software code which led to inaccurate consumer credit scores. I have attached a copy of page XXXX of XXXX of my credit report from Equifax with the disputed item ( XXXX ) highlighted, along with a copy of my identification and copy of social security for verification purposes. I am requesting that this account be deleted and does not reappear also an updated credit report be sent to me immediately. I hope you take this matter seriously thank you for your attention to this matter. XXXX XXXX
Frequently Asked Questions
What is Complaint #12025638 about?
Complaint #12025638 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-02-10T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.