Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear : Equifax I am writing to formally dispute the inaccurate or improperly reported XXXX  XXXX Bankruptcy entry listed on my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. The details of the disputed entry are as follows : * Type : XXXX XXXXXXXX Bankruptcy * Status : Dismissed * Date Filed/Reported : [ XXXX XXXX XXXX, depending on bureau ] * Reference # : [ XXXX, XXXX, or XXXX, depending on bureau ] * Closing Date : [ XXXX or N/A, depending on bureau ] * Court : [ U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX XXXX XXXX or Federal XXXX depending on bureau ] * Asset Amount : {$0.00} * Liability : {$0.00} * Exempt Amount : {$0.00} I demand the immediate removal of this entry from my credit report for the following reasons : 1. Lack of Permissible Purpose : Under 15 U.S.C. 1681b ( a ) ( 2 ), a consumer report may only be furnished in connection with a court order or subpoena, such as those issued by a federal grand jury or under specific legal proceedings ( e.g., 31 U.S.C. 5318 or 18 U.S.C. 3486 ). I have no knowledge of any such court order or subpoena authorizing the reporting of this bankruptcy on my credit report. Absent a permissible purpose, this entry violates FCRA regulations and must be removed. 
2. Inaccurate or Incomplete Information : The bankruptcy in question was dismissed on or around XX/XX/XXXX, as indicated in your records. A dismissed XXXX  XXXX bankruptcy does not have the same legal or financial implications as a XXXX or completed bankruptcy, yet its presence on my credit report may inaccurately suggest an ongoing or unresolved financial obligation. Furthermore, the reported asset and liability amounts of {$0.00}, along with inconsistencies in the reported filing dates ( e.g., XX/XX/XXXX vs. XX/XX/XXXX ) and court details, suggest errors or incomplete reporting that violate 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum accuracy.

3. Potential Duplicative or Erroneous Reporting : The slight variations in reference numbers ( XXXX, XXXX, XXXX ) and court descriptions across the bureaus raise concerns about duplicative or erroneous entries, which may further violate FCRA accuracy requirements.

Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of this dispute within 30 days of receiving this letter. I request that you verify the accuracy and permissibility of this entry with the furnisher of the information and provide me with the results of your investigation, including a description of the actions taken and any corrected credit report. If the bankruptcy entry can not be verified as accurate or permissible, it must be removed from my credit report immediately. 
Enclosed, please find copies of the following supporting documents : * [ List any documents, e.g., court dismissal order, proof of identity, etc. ] * [ A copy of my drivers license or other identification, if applicable ] Please send all correspondence to the address listed above or via email to [ Your Email Address, if applicable ]. If you have any questions or require additional information, you may contact me at [ Your Phone Number ].

Thank you for your prompt attention to this matter. I expect a response within the 30-day period mandated by the FCRA. 
Sincerely, [ Your Full Name ] [ Your Social Security Number, optional but recommended for identification ] Instructions for Sending the Letter : XXXX. Send to Each Bureau : Use the following addresses for each credit bureau : * XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX Equifax : Equifax Information Services LLC, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 2. Use Certified Mail : Send the letter via certified mail with a return receipt to confirm delivery. 
3. Keep Copies : Retain copies of the letter and all enclosures for your records.

4. Follow Up : If you dont receive a response within 30 days, consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) at consumerfinance.gov. 
Additional Notes : * If you have specific evidence ( e.g., court documents showing the dismissal or errors in the reporting ), mention and include them to strengthen your case. 
* If the bureaus fail to remove the entry after a reasonable investigation, you may need to consult a consumer law attorney to explore further legal action under the FCRA. 
* This letter is a template ; tailor it to your specific situation or consult a professional if needed. 
Let me know if you need help refining the letter or additional guidance! 



Bankruptcy 2 Below is the revised letter incorporating the additional information about the XXXX XXXX bankruptcy dated XXXX XXXX, XXXX, with the specified details ( Reference Number : XXXX, Classification : Bankruptcy, Type : XXXX XXXXXXXX bankruptcy, Responsibility : Individual, Asset Amount : {$0.00} ). Ive integrated this information to ensure the letter remains concise, clear, and consistent with your request while maintaining the original structure and legal arguments. 

Subject : Dispute of Inaccurate Bankruptcy Entries on Credit Report Reference # XXXX, XXXX, XXXX Dear [ XXXXXXXX ], I am writing to formally dispute two inaccurate or improperly reported XXXX XXXXXXXX Bankruptcy entries listed on my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. The details of the disputed entries are as follows : Entry 1 : * Type : XXXX XXXXXXXX Bankruptcy * Status : Dismissed * Date Filed/Reported : [ XX/XX/XXXX or XX/XX/XXXX, depending on bureau ] * Reference # : [ XXXX, XXXX, or XXXX, depending on bureau ] * Closing Date : [ XX/XX/XXXX or N/A, depending on bureau ] * Court : [ U.S. Bankruptcy XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Federal XXXX depending on XXXX XXXX * Asset Amount : {$0.00} * Liability : {$0.00} * Exempt Amount : {$0.00} Entry 2 : * Type : XXXX XXXXXXXX Bankruptcy * Status : Filed * Date Filed : XXXX XXXX, XXXX * Reference # : XXXX * Classification : Bankruptcy * Responsibility : Individual * Asset Amount : {$0.00} I demand the immediate removal of both entries from my credit report for the following reasons : 1. Lack of Permissible Purpose : Under 15 U.S.C. 1681b ( a ) ( 2 ), a consumer report may only be furnished in connection with a court order or subpoena, such as those issued by a federal grand jury or under specific legal proceedings ( e.g., 31 U.S.C. 5318 or 18 U.S.C. 3486 ). I have no knowledge of any such court order or subpoena authorizing the reporting of either bankruptcy on my credit report. Absent a permissible purpose, these entries violate FCRA regulations and must be removed. 
2. Inaccurate or Incomplete Information : The first bankruptcy ( Reference # XXXX ) was dismissed on or around XX/XX/XXXX, as indicated in your records. A dismissed XXXX  XXXX bankruptcy does not carry the same legal or financial implications as a discharged or completed bankruptcy, yet its presence on my credit report may inaccurately suggest an ongoing or unresolved financial obligation. Additionally, the reported asset and liability amounts of {$0.00}, along with inconsistencies in the reported filing dates ( e.g., XX/XX/XXXX vs. XX/XX/XXXX ) and court details, suggest errors or incomplete reporting. For the second bankruptcy ( Reference # XXXX ), the entry lists a filing date of XXXX XXXX, XXXX, with an asset amount of {$0.00} and no further status ( e.g., dismissed or XXXX ), which may also be incomplete or misleading. These issues violate 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum accuracy. 
3. Potential Duplicative or Erroneous Reporting : The variations in reference numbers ( XXXX, XXXX, XXXX for the first entry ; XXXX for the second ) and court descriptions across bureaus, combined with the presence of two separate XXXX XXXXXXXX bankruptcy entries, raise concerns about duplicative or erroneous reporting, further violating FCRA accuracy requirements. 
Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of this dispute within 30 days of receiving this letter. I request that you verify the accuracy and permissibility of both entries with the furnisher of the information and provide me with the results of your investigation, including a description of the actions taken and any corrected credit report. If either bankruptcy entry can not be verified as accurate or permissible, it must be removed from my credit report immediately. 
Thank you for your prompt attention to this matter. I can be reached at [ Your Contact Information ] for any further clarification. 
Sincerely,

Company response to consumer: Closed with explanation