Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
Date : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX RE : Formal Dispute of Inaccurate and Unfair Credit Reporting under the Fair Credit Reporting Act ( XXXX U.S.C. XXXX et seq. ) Regarding XXXX XXXX XXXX, Date of Birth XX/XX/XXXX, XXXX XXXX XXXX. XXXX, Ga. XXXX, Social Security Number XXXX Dear Sir/Madam : Regarding inaccuracies and unfair reports contained within their consumer reports maintained by your respective companies. This letter serves as a formal dispute under the Fair Credit Reporting Act ( XXXX  ), XXXX U.S.C. XXXX et seq. 
We have identified several categories of inaccurate and unfairly reported information that violate the FCRA and negatively impact my creditworthiness : XXXX. Improper Reporting of Court Actions : It has come to my attention that your agencies are reporting information related to legal proceedings involving myself. I must remind you that courts do not report information directly to credit reporting agencies. Any inclusion of information stemming directly from litigation is inherently suspected and likely inaccurate in its transmission and interpretation for credit reporting purposes. Furthermore, once an account is involved in active litigation, its continued reporting on a credit report is often inappropriate and can be misleading. 
XXXX. Inaccurate Reporting by Secondary Information Companies ( Specifically XXXX ) : We are particularly concerned with the practice of secondary information companies, such as XXXX, collecting and disseminating information that is then being utilized by the primary credit bureaus. If XXXX is furnishing unverified information that ultimately affects my credit reports, this practice violates the FCRA. I have not provided consent for XXXX to furnish any unverified information to credit bureaus, in direct contravention of XXXX U.S.C. XXXX. 
XXXX. Improper " Bankruptcy '' Remarks on Accounts : We have observed that accounts previously in my alleged bankruptcy proceedings are being reported with the remark or comment " Bankruptcy '' attached to each individual account listing. While the fact of the bankruptcy itself may be reported for the permissible statutory period, appending such a remark to each individual account is misleading, inaccurate in its implication, and unfairly prejudicial. It misrepresents the status of these accounts. This practice fails to adhere to the FCRA 's mandate for maximum possible accuracy under XXXX U.S.C. XXXX ( b ). 
Violation of FCRA Obligations : Your companies have a clear legal obligation under the FCRA to : Maintain reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( XXXX U.S.C. XXXX ( b ) ). XXXX Reporting information derived from court proceedings without proper verification and attaching prejudicial remarks to accounts demonstrably fails this standard. 

Only furnish consumer reports under permissible purposes ( XXXX U.S.C. XXXX ). I have not provided consent for the furnishing of unverified information by secondary sources like XXXX that ultimately impacts their credit reports. 
Demand for Action : Pursuant to the Fair Credit Reporting Act, we demand that you immediately undertake the following actions : XXXX. Thoroughly investigate each of the inaccuracies outlined above. 
XXXX. Cease and desist from reporting any information derived directly from court proceedings. 
XXXX. Cease and desist from utilizing unverified information furnished by secondary sources like XXXX that impacts my credit reports without proper consent and verification. 
XXXX. Remove the inaccurate and unfairly prejudicial " Bankruptcy '' remarks from each of the accounts. The attaching of this remark to each individual debt is improper. 
XXXX. Provide written confirmation within XXXX ( XXXX ) days outlining the steps you have taken to correct these inaccuracies and provide updated, accurate credit reports XXXX free of charge. 
Enclosed : For your reference, we have enclosed a copy of XXXX of my credit tradeline reports ( example ) highlighting some of the issues discussed herein. 
Failure to Comply : Please be advised that failure to comply with the FCRA 's requirements and promptly correct these inaccuracies will leave me with no alternative but to pursue all available legal remedies, including but not limited to litigation in federal court to recover damages for the violations of the FCRA, including actual damages, statutory damages, punitive damages in the case of willful noncompliance, and attorney 's fees and costs. 
We expect your prompt attention to this serious matter and look forward to your timely response. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation