Consumer complaint received 2025-10-19 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: AK

Complaint narrative:
I am filing this formal complaint against Equifax with the Consumer Financial Protection Bureau for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically 1681e ( b ) and 1681i. Equifax has failed to provide any response to a properly documented dispute that I mailed on XX/XX/XXXX, via certified mail, concerning the inaccurate and unverifiable reporting of a bankruptcy on my credit file. 
In my dispute letter dated XX/XX/XXXX, I contested the reporting of a XXXX  XXXX bankruptcy ( XXXX XXXX. XXXX ) that Equifax lists with a filing date of XX/XX/XXXX. The information being reported is incomplete, inaccurate, and unverifiable. Specifically, the Equifax entry fails to list the discharge date ( XX/XX/XXXX ) and termination date ( XX/XX/XXXX ), as reflected in the official PACER record. The court is identified only generically as US DIST CT, without specifying the correct jurisdiction. Additionally, essential datasuch as the trustees name, debtor disposition, and liability amountare completely missing. 
The official PACER case summary ( XXXX XXXX. XXXX, U.S. Bankruptcy Court , District of Alaska Juneau Division ) confirms that the bankruptcy was filed on XX/XX/XXXX, discharged on XX/XX/XXXX, and terminated on XX/XX/XXXX, with the debtor disposition recorded as Standard Discharge. The trustee is identified as XXXX XXXX XXXX, and all critical case information is clearly documented in the court record. Equifaxs reporting omits these fundamental details, rendering the information incomplete and unverifiable. This failure to maintain accurate and complete information violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of information, and 15 U.S.C. 1681i, which mandates a proper reinvestigation upon receipt of a dispute. 
Despite submitting a valid dispute that included a copy of my government-issued identification, Social Security card , proof of address, the official PACER case summary, and a copy of my Equifax credit report highlighting the erroneous entry, Equifax has failed to provide any acknowledgment, investigation results, or response whatsoever, well beyond the 30-day statutory period required under 15 U.S.C. 1681i ( a ). This lack of response constitutes a clear and willful violation of the FCRA. 
Furthermore, my dispute letter included a lawful Request for Method of Certification, in which I asked Equifax to disclose : The name of the company or entity that certified the accuracy of the bankruptcy information ; The documents and evidence used to validate the reporting ; and The contact information of the certifying entity, including their address and phone number. 


Equifax has completely ignored this lawful request, further demonstrating its failure to comply with statutory obligations. 
Because the bankruptcy information reported by Equifax is inaccurate, incomplete, and unverifiable, and because Equifax has failed to reinvestigate or respond to my dispute, I am demanding the immediate and permanent deletion of this unverifiable bankruptcy record from my credit file in accordance with 15 U.S.C. 1681i ( a ) ( 5 ).

Company response to consumer: Closed with non-monetary relief