Consumer complaint received 2025-01-25 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: NC

Complaint narrative:
: Immediate Demand for Removal of Incorrect Bankruptcy Entry I am writing to demand the immediate removal of the bankruptcy entry incorrectly listed on my credit report under the name XXXX XXXX XXXX, with a reference to XXXX  XXXX Bankruptcy filed on XX/XX/year>, in the U.S. Bankruptcy Court, North Carolina, XXXX ( Reference Number : XXXX ). This is not my bankruptcy, and its false reporting is causing direct harm to my credit and reputation. 

This inaccurate entry constitutes defamation of character and is actively injuring my ability to access credit and exercise my financial rights. The Fair Credit Reporting Act ( FCRA ) requires that all reported information be accurate and verifiable, and your failure to ensure this has placed me in a compromised financial position. 

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has filed legal action against XXXX and Equifax for failing to conduct proper investigations and for reporting inaccurate information. This case demonstrates XXXX  ongoing violations of FCRA requirements, specifically the obligation to thoroughly verify disputed information. Your actions in this matter further reinforce this pattern of negligence. 

Additionally : XXXX. Bankruptcy courts do not report information directly to credit bureaus, nor do they act as furnishers of such data. Any claim that this information was verified through the court is therefore false. 
XXXX. The only entities with access to such records are XXXX and XXXX. I have opted out of sharing my information with XXXX, and PACER requires payment to access records. Without direct and verifiable evidence, this entry is unsubstantiated and unlawful. If you can not furnish any documentation directly from the bankruptcy court on their letterhead, then you must act now and remove This immediately, as it is injuring my person and keeping me from accessing my rights to Credit. This is defamation please follow the demand below. 

I demand the following actions to be taken immediately : XXXX. Remove this incorrect bankruptcy entry from my credit report immediately. 
XXXX. Provide written confirmation that the entry has been removed. 
XXXX. Provide documentation of how this information was obtained, including the name and contact details of the entity that provided it. 
XXXX. Explain why XXXX failed to comply with the FCRA by reporting this false information without proper verification. 

Your negligence in this matter has caused me significant financial harm. If this entry is not removed immediately, I will have no choice but to escalate this matter by filing formal complaints with the CFPB, pursuing legal remedies for defamation, and seeking compensation for damages caused by this false reporting. 

This matter requires immediate attention, and I expect confirmation of the removal of this entry within 5 business days. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation