On XXXX/XXXX/XXXX Equifax issued the results of my dispute concerning erroneous information reported in my credit file. My report was updated as a result. Today I discovered that the false information had been re-inserted in the file, a fact I only learned because I received a letter from XXXX ( my credit card company ), advising me that as a result of reviewing my credit report with Equifax they took advserse action as to my standing and reduced my credit line ( essentially down to the existing balance amount ). Equifax acted illegally because I was not provided 5 days notice of the re-insertion ( which they have also failed to do in the past ) and because the information is false. The XXXX account in question was forgiven in XXXX and reported to the IRS on a XXXX as income to me as a result. It appears that the account has once again been re-aged for purposes of updating the negative reporting ( shows XXXX ) which is also illegal. Moreover, the law states that if the account can not be verified it must be deleted, which Equifax appears unwilling to do as it is required. I am attaching the following documentation : 1 ) the entry of XXXX in my report as it is showing today, 2 ) the XXXX from the XXXX forgiveness, 3 ) the XXXX/XXXX/XXXX Equifax dispute results, 4 ) the entry of the XXXX account on my credit report as of the XXXX/XXXX/XXXX dispute results and 5 ) the list of creditors, from my report as of today, which have done an account review when the false information was included in my report and depressing my credit score ( this include XXXX 's which too adverse action and XXXX ).