Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12929542
Complaint Overview
Complaint ID: 12929542
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Florida
ZIP Code: 33130
Date Received: 2025-04-10T12:00:00-05:00
Date Sent to Company: 2025-04-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint regarding a XXXX collection account previously removed from my credit report. Experian and Equifax specifically. This account has now been reinserted without proper notice. According to the FCRA - section 611 ( a ) ( 5 ) ( B ), a consumer reporting agency must provide the consumer with written notice within five business days if previously deleted information is reinserted into a credit report. I was not notified. This account is inaccurate and is causing damage to my credit report. I have disputed it, and its reinsertion without proper written notification is a direct violation of federal law. This account was originally removed after I submitted formal disputes citing inaccurate reporting and lack of verification of the debt. The credit bureaus deleted the account following these disputes, which confirms they found the information to be unsubstantiated. I am requesting immediate deletion of this account from all consumer reporting agencies and a full investigation into this improper reinsertion Please confirm receipt of this complaint and update me with the result of your investigation.
Frequently Asked Questions
What is Complaint #12929542 about?
Complaint #12929542 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 2025-04-10T12:00:00-05:00.
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.