Consumer complaint received 2025-10-14 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:
I am filing this formal complaint against Equifax for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ), specifically 611 ( 15 U.S.C. 1681i ) and 607 ( b ), in connection with the continued reporting of incomplete and unverifiable Chapter 7 bankruptcy information on my Equifax credit file. 
On XX/XX/XXXX, I mailed Equifax a fully documented dispute package, which included a copy of my government-issued identification, Social Security card , and a recent utility bill to verify my identity. My dispute clearly identified the bankruptcy entry and specifically requested, pursuant to the FCRA : The name of the entity that certified the accuracy of the bankruptcy record ; The documentation or evidence Equifax relied upon to verify the reporting ; The full contact details of the certifying source, including mailing address and phone number. 


To date, Equifax has failed to provide the results of a reinvestigation or any evidence that a reasonable investigation was conducted within the 30-day statutory period, as required by 611. This failure represents a clear and willful violation of the FCRA. 

Bankruptcy Entry Reported by Equifax Type : Bankruptcy XXXX XXXX Court Name : ( Not listed ) Date Filed/Reported : XX/XX/XXXX Reference Number : XXXX Disposition / Remarks : Bankruptcy : XXXX XXXX Official PACER Record ( Attached ) Case No. : XXXX Court : XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Filed : XX/XX/XXXX XXXX : XX/XX/XXXX Terminated : XX/XX/XXXX Debtor : XXXX XXXX Trustee : XXXX XXXX XXXX XXXX XXXX 
Disposition : Standard Discharge Case Closed Errors and Deficiencies in XXXX XXXX XXXX XXXX Name and Official Case Number Equifax fails to provide the actual court name and PACER case number ( XXXX ). Without this data, the reported bankruptcy is incomplete and unverifiable, violating FCRA 607 ( b ) s requirement to ensure maximum possible accuracy.

Lack of Trustee and Case Party Information The PACER record clearly identifies the trustee ( XXXX XXXX XXXX XXXX ) and other case details, yet Equifax reports none of this information. This omission significantly reduces the accuracy and completeness of the record. 
Reference XXXX XXXX Equifax uses its own internal reference number ( XXXX ) without citing the official PACER case number, making it impossible to validate the reported item against the court record. 
Incomplete Disposition Information PACER lists the case as Standard Discharge Case Closed, but Equifax merely notes Bankruptcy : Discharged CH-7, omitting essential disposition details such as case status, closure, and discharge date. This constitutes materially incomplete reporting. 
Failure to Reinvestigate Equifax failed to provide any reinvestigation results or evidence of a reasonable investigation within the 30-day period after receiving my dispute. This is a direct violation of FCRA 611 and demonstrates reckless disregard for statutory obligations.

Equifaxs failure to comply with its legal obligations under the FCRA has caused significant harm, including but not limited to : Unwarranted and prolonged damage to my credit reputation and scores ; Denial or limitation of credit opportunities ; Emotional distress resulting from the continued publication of inaccurate and incomplete information.

Company response to consumer: Closed with non-monetary relief