Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I filed a XXXX XXXX bankruptcy in XX/XX/XXXX and was discharged in XX/XX/XXXX. This was directly related to medical expenses related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Both hospital stays charges were over {$70000.00} each. Since that time, I regained my health and immediately began to rebuild my credit. Over the next 7 years, since XXXX to this year XXXX I rebuilt my credit and fico score last XXXX were XX/XX/XXXX was XXXX then XX/XX/XXXX ( XXXX ). Suddenly, each month, including XXXX, then XXXX and now XX/XX/XXXX my fico credit score has been going down to presently ( XXXX ). I have great credit and pay my bills and also have large available credit if needed but some reason my fico score continues to drop. I checked my XXXX credit and noticed why XXXX list all my credit cards open, balances and also closed accounts that were always in great standings. XXXX, also list XXXX collections and under public notice, my filing of bankruptcy in XXXX which is fine, and will be removed within 3 years as to bankruptcys staying on credit report for up to XXXX yrs. But, XXXX  recently listed my bankruptcy twice, one in the public notice section of my credit report, thats ok, but again as to, one potential negative account on there site. Since XXXX made this change of listing my bankruptcy in public records area but also now listing it as a potential negative account for not reason is causing my credit score to drop drastically, going from XXXX to now XXXX. This is not because of present credit card balances which are below 26 % usage as to overall credit usage but directly related to XXXX now listing my old bankruptcy of XXXX, thats already visible under public records section of my credit report, but XXXX  is deliberately and unexpectedly posting my bankruptcy now as a potentially negative account. This notification, which is not necessary or even remotely serves any purpose but to affect my credit and fico score, where over the past 7 years they have not ever listed this information, ever. The only legal reason is for a credit reporting agency is to list a bankruptcy under public records notice area, not to re list or post this bankruptcy again but unde potentially negative account, which it is not a n account, its a filing, a bankruptcy filing. That information is clearly listed on my credit report under public records information. Ive applied for credit and received such with this information listed where is only should be reported, under public records section of my credit report, no where else or reporting it as a potentially negative account, which again, it is not!! In the attached pics you can see this bankruptcy being listed just recently as one potentially negative account. Looking further, see how this new listing of such has caused my credit and fico score to continue to drop for this reason. Looking further, you can see how this bankruptcy is supposed to be seen as in XXXX public record, which is normal. But, suddenly, bring this bankruptcy up in another area of my credit report, is causing my credit to drop along with my fico score. Over the past 7 years, while working extremely hard to rebuild my credit, while carrying around this bankruptcy filing in public records area, I was still able to rebuild my credit until now, this new potentially negative reporting just recently began with experian is damaging everything Ive done and have tried to overcome, while awaiting the 10 years till this bankruptcy report is removed is just outrageous, unethical and misleading information thats just destroying my once good credit. FYI my son XXXX XXXX XXXX and I share this login and account for the department of consumer affairs for complaints as in the past. Hopefully this clears up any confusion as to me filing this complaint for myself but I share this account with my son to. Thank you for understanding.