Consumer complaint received 2025-06-02 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: OH

Complaint narrative:
To : Equifax XXXX. Box XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Payment Data and Unauthorized Bankruptcy Reporting under XXXX U.S.C. 1681 et seq. 

To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) and 1681s-2 ( a ) regarding the inaccurate payment history reporting and the inclusion of a Chapter 7 bankruptcy on my credit report without lawful authority or permissible purpose.

1. Payment History Inaccuracies ( See Attached Documentation ) The following accounts inaccurately reflect late payments ( red Xs ), which are factually incorrect as I have paid each of these accounts on time and in full, as evidenced by my records : XXXX XXXX XXXX XXXXXXXX XXXX Incorrectly marked late : XXXX, XXXX, XX/XX/XXXX Action Requested : Correct to paid on time ( XXXX XXXX  Incorrectly marked late : Multiple months from XXXX Action Requested : Correct to reflect accurate payment history or remove due to unverifiable and damaging data XXXX XXXX Incorrectly marked late : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX Action Requested : Correct these entries to reflect on-time payment status Per 15 U.S.C. 1681i, you are required to reinvestigate and correct any information that is incomplete, inaccurate, or can not be verified. Reporting false late payments is not only a violation of the FCRA but causes substantial and ongoing harm to my creditworthiness. 



XXXX. Dispute of Bankruptcy Reporting Without Legal Authority Your report currently includes a Chapter XXXX Bankruptcy dated XX/XX/XXXX, marked as discharged.

However, please be advised of the following : Bankruptcy courts do not report to credit bureaus.

The presence of this bankruptcy on my report is not a result of direct submission from a government entity, but rather from third-party data mining or public records scraping.

I did not provide affirmative written permission or authorization to any credit reporting agency to include or publish this sensitive public record.

This is a violation of my rights under 15 U.S.C. 1681b ( a ), which limits the conditions under which consumer information may be furnished. Reporting such a record without legal grounds or consent amounts to unauthorized furnishing of consumer data. 
This also violates 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in reporting consumer information.

3. Legal Grounds for Immediate Deletion I formally demand the following actions be taken within the 30-day investigation period : Remove or correct the inaccurate payment entries associated with the accounts listed above.

Delete the Chapter 7 bankruptcy from my credit file, as it was not reported by the court, not authorized by me, and is harming my credit unlawfully. 
Provide written confirmation of the deletions or corrections to my address listed above. 

Failure to correct or remove unverifiable information may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and legal action under 15 U.S.C. 1681n and 1681o, which permit recovery for willful and negligent noncompliance, respectively. 



Thank you for your immediate attention to these serious legal matters. 

Sincerely, XXXX XXXX XXXX Without Prejudice

Company response to consumer: Closed with non-monetary relief