Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13189997
Complaint Overview
Complaint ID: 13189997
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: 2025-04-25T12:00:00-05:00
Date Sent to Company: 2025-04-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Unauthorized Re-Insertion of Previously Deleted Account on Credit Report To Whom It May Concern, I am writing to formally dispute the unauthorized re-insertion of a previously deleted account associated with my credit profile. The account in question was previously removed following a dispute and investigation, yet it has now been reinserted without any prior notice to me, the consumer. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ), if a credit item is deleted from a consumers report and is later reinserted, the furnisher is required to notify the consumer in writing within five business days of the reinsertion. I have received no such notice regarding this action, and I consider this a serious violation of my rights under the FCRA. Please consider this a formal demand for the following : 1. Immediate removal of the reinserted account 2. A detailed explanation for the reinsertion and why proper notice was not provided. 3. A statement confirming whether this reinsertion was reported to the credit bureaus and, if so, on what basis. I am requesting that you investigate and resolve this matter within the 30-day period as required by federal law. I have enclosed a copy of my ID and copy of my social security card to verify my identity Failure to address this appropriately may result in complaints to the Federal Trade Commission ( FTC ), and possible legal action for damages resulting from this improper reinsertion. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #13189997 about?
Complaint #13189997 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 2025-04-25T12:00:00-05:00.
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.