Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12811915
Complaint Overview
Complaint ID: 12811915
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Old information reappears or never goes away
State: New Jersey
ZIP Code: 07105
Date Received: 2025-04-03T12:00:00-05:00
Date Sent to Company: 2025-04-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against Equifax for violating multiple provisions of the Fair Credit Reporting Act ( FCRA ) by unlawfully reinserting a previously deleted account into my credit file without providing the required notice or verification. The account in question is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), which was initially reported in XX/XX/year> and subsequently deleted in XX/XX/year> following a successful dispute. I recently discovered that this account has been reinserted into my Equifax credit report without my knowledge or any written notification after I reviewed my recent credit report. This action constitutes a clear violation of the FCRA. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), Equifax is required to notify me in writing within five business days of reinserting previously deleted information, this did not occur. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ), any reinserted information must be verified by new and credible documentation from the furnisher, which has not been provided. Under 15 U.S.C. 1681e ( b ), Equifax is obligated to ensure the maximum possible accuracy of all reported information. Allowing a previously disputed and deleted account to reappear without verification is a direct violation of this requirement. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and require Equifax to immediately remove the reinserted account from my credit file, provide all documentation used to justify the reinsertion, and send written confirmation along with an updated credit report. I also urge the CFPB to investigate Equifaxs practices in this matter and take any appropriate enforcement action for noncompliance with the FCRA.
Frequently Asked Questions
What is Complaint #12811915 about?
Complaint #12811915 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-04-03T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.