Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Formal Demand to Exclude Bankruptcy Transaction from Consumer Report To Whom It May Concern : This correspondence serves as a formal demand to immediately cease and desist reporting the bankruptcy transaction currently included in my consumer report. It is my position that this inclusion is inaccurate, improper, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The bankruptcy court does not report information to any consumer reporting agency, including Equifax ; therefore, your continued reporting of this item constitutes a failure to maintain reasonable procedures to ensure maximum possible accuracy as mandated by 15 U.S.C. 1681e ( b ).

I draw your attention to the fact that bankruptcy courts do not communicate directly with consumer reporting agencies. Instead, information related to bankruptcy filings may be obtained through third-party vendors or public record retrieval systems. These methods are inherently prone to inaccuracies, incomplete data, or outdated information, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In that case, the court highlighted the limitations and potential unreliability of public record retrieval processes utilized by consumer reporting agencies. 

Moreover, Equifaxs reliance on third-party data aggregators, without direct verification or compliance with the FCRAs requirements for accuracy, violates the statutes mandate to adopt and follow reasonable procedures. Your obligation under 15 U.S.C. 1681i ( a ) to reinvestigate disputed information also requires that you independently verify the source and accuracy of reported data. Any continued reliance on unverified or indirect sources to report my bankruptcy status would constitute willful noncompliance, as described in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

In addition, your reporting of the bankruptcy is causing ongoing harm to my financial reputation and subjecting me to undue prejudice in my ability to obtain credit. I demand that Equifax immediately remove this erroneous entry from my consumer report. Please be advised that failure to act promptly and rectify this matter may result in legal action, wherein I will seek all remedies available under the FCRA, including statutory damages, actual damages, punitive damages, and attorneys fees, as permitted by law. 

As required under the FCRA, you have 30 days from the date of receipt of this letter to complete your reinvestigation and provide a written statement confirming that the bankruptcy transaction has been permanently excluded from my report. Failure to comply within this statutory timeframe will leave me no choice but to escalate this matter to enforcement authorities or pursue litigation. 

Should you have any questions regarding this demand or require further information to process this request, I may be contacted in writing at the address above. However, this letter should be treated as my final attempt to resolve this matter amicably. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation