Equifax Credit Reporting Complaint

Incorrect information on credit report reinserted previously deleted info

Equifax Credit reporting department,

Incorrect information on credit report Reinserted previously deleted info California

The item with - - was deleted from my Equifax credit report on -/-/- and it was re-inserted back on my credit on -/-/-. There was no reinsertion notification as required by law. Equifax, - and - FAILED to notate on my credit report that this item was in dispute per the FCRA. I 've been dealing with this issue for 2 years now and they reinserted the item back on my credit without notifying me within 5 days. They are in violation of the FCRA/FDCPA on the following counts : 1 ) Neither -, Equifax nor -, notated the item in dispute. Still current report is not notated.


3 ) Equifax did not notify me within 5 days nor did they send me any information at ANY time informing me of the reinsertion. 4 ) - failed to cease collection activity My last attempt to get this resolved was a certified letter tracking # - sent to - on -/-/- informing them of the violations. I am asking Consumer Financial Protection to help me get this resolved, it 's been 2 years that I 've been dealing with this. My last resort would be to contact an attorney and file a lawsuit for all of their procedure violations. I hope it does n't come to that. All of this over a $47.00 collection that was previously deleted. This item is the only blemish on my credit report. This company clearly has no regard for following ANY of the FCRA/FDCA consumer laws. Attached is several pages of my credit reports showing the item deleted on several dates as stated and then reinserted. Attached also - reports from several dates where they failed to notate the item in dispute.

Equifax customer in California
Nov 18, 2016

* Source: CFPB Complaint Database

Equifax response to complaint:
Closed with explanation

Created with Highcharts 4.2.3EquifaxComplaint HistoryComplaints10/201211/201212/20121/20132/20133/20134/20135/20136/20137/20138/20139/201310/201311/201312/20131/20142/20143/20144/20145/20146/20147/20148/20149/201410/201411/201412/20141/20152/20153/20154/20155/20156/20157/20158/20159/201510/201511/201512/20151/20162/20163/20164/20165/20166/20167/20168/201610/201611/201612/201602505007501000Source: Consumer Financial Protection Bureau
Created with Highcharts 4.2.3EquifaxIncorrect information on credit report0.2%74.5%0.0%24.3%1.1%ClosedClosed with explanationClosed with monetary reliefClosed with non-monetary reliefIn progressSource: Consumer Financial Protection Bureau
Created with Highcharts 4.2.3National AverageIncorrect information on credit report0.0%29.5%0.3%0.1%68.8%1.2%Untimely responseClosed with non-monetary reliefClosedClosed with monetary reliefClosed with explanationIn progressSource: Consumer Financial Protection Bureau

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