Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14936530
Complaint Overview
Complaint ID: 14936530
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Alabama
ZIP Code: 351XX
Date Received: 2025-07-28T12:00:00-05:00
Date Sent to Company: 2025-07-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX. Box XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : No Reinsertion of Previously Deleted Accounts FCRA 611 ( a ) ( 5 ) ( B ) To Whom It May Concern, I am writing to formally request that you do not reinsert into my credit report any previously deleted accounts, inquiries, or derogatory items that have been removed from my credit file. These items were either inaccurate, unverifiable, or outdated, and were rightfully deleted in accordance with the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 611 ( a ) ( 5 ) ( B ), a credit reporting agency must not reinsert any item of information that has been deleted from a consumers file unless : XXXX. The furnisher certifies that the information is accurate and complete, and XXXX. The credit bureau notifies the consumer in writing within XXXX business days of the reinsertion. I am requesting that you : Permanently block reinsertion of all such previously removed accounts or items Notify me immediately in writing if any data is ever reconsidered for reinsertion Maintain full compliance with FCRA reinsertion provisions Please treat this letter as a preventive measure and formal notice. If any deleted accounts or inquiries reappear on my credit file without full FCRA compliance, I will pursue all available legal remedies. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Frequently Asked Questions
What is Complaint #14936530 about?
Complaint #14936530 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-07-28T12:00:00-05:00.
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.