Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14609056
Complaint Overview
Complaint ID: 14609056
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: 070XX
Date Received: 2025-07-11T12:00:00-05:00
Date Sent to Company: 2025-07-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, Equifax confirmed in writing that XXXX accountsXXXX XXXX Bank XXXX ( account ending in XXXX XXXX ) and XXXX XXXX XXXX XXXX ( account ending in XXXX XXXXXXXX ) were deleted from my credit report following disputes. This was documented under Equifax confirmation XXXX XXXXXXXX. However, on XX/XX/year>, both accounts reappeared on my Equifax credit report with derogatory reporting. I never received any written notice of reinsertion within XXXX business days, as required by the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ) ( B ). FCRA requires that when an item is reinserted into a consumer 's credit file after deletion, the credit bureau must notify the consumer in writing within XXXX business days and provide the name, address, and phone number of the furnisher, as well as a certification of accuracy. Equifax did not do this. I am requesting that these accounts be permanently removed from my credit report, that Equifax provide a detailed explanation of how this reinsertion occurred, and that they confirm compliance with all requirements under FCRA XXXX ( a ) ( XXXX ) ( B ).
Frequently Asked Questions
What is Complaint #14609056 about?
Complaint #14609056 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 2025-07-11T12:00:00-05:00.
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.