Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally submit a complaint against Equifax regarding the inaccurate reporting of my credit information, which is negatively affecting my ability to move forward in life. After reviewing my recent credit report, I found several discrepancies that I believe need urgent attention. The following accounts are showing incorrect negative payment histories despite being discharged through my bankruptcy : XXXX XXXX XXXX XXXX XXXX  XXXX : This account shows 4 late payments, which should not be reported. This account was discharged through my bankruptcy, and I request that the payment history be updated to reflect this discharge. 

XXXX  XXXX XXXX : This account shows 5 negative payments, which should also be updated to 0. The debt was included in my bankruptcy, and the negative payment history is inaccurate. 

XXXX XXXX : This account shows 2 late payments, which should be updated to XXXX. XXXX XXXX sold the debt, and it is now being double-reported with negative remarks. I request this account be removed from my credit report entirely, as it was discharged in my bankruptcy and is no longer valid. 

XXXX XXXX  XXXX XXXX XXXX This account shows XXXX late payments and includes payments up to XXXX, even though the account was only issued in XXXX. This account was part of my bankruptcy, and I request that the payment history reflect this discharge and remove any payments beyond XXXX. 

These inaccurate negative remarks are severely affecting my life, including hindering my ability to secure a new car and find an apartment, as these reports are being used by lenders and property managers to assess my financial stability. This situation has caused me a great deal of mental stress, as I have been going back and forth with Equifax just to have this incorrect information removed. 

Under several credit reporting laws, I am requesting the following : Fair Credit Reporting Act ( FCRA ), Section 1681 : This section requires credit reporting agencies to maintain accurate and complete information on credit reports. Since these accounts were discharged in bankruptcy, they should reflect that status rather than continuing to show negative payment histories. 

Bankruptcy Abuse Prevention and Consumer Protection Act ( BAPCPA ) : This law mandates that creditors report the proper status of debts discharged in bankruptcy. The debts in question should reflect their discharge status, and Equifax is required to update these accounts accordingly.

Fair Debt Collection Practices Act ( FDCPA ) : This law prohibits creditors from continuing to report negative information about debts discharged in bankruptcy. As these debts were legally discharged, they should no longer appear with negative payment histories. 

Correct Reporting to All Credit Bureaus : I request that Equifax make the necessary corrections to reflect accurate information in alignment with the changes made by Equifax. I expect all three credit bureaus to report consistent and accurate data. 

Confirmation of Updates : After these corrections are made, I request written confirmation from both the credit reporting agencies and the involved creditors to verify that these changes have been implemented. 

I respectfully request that you investigate this issue and assist in ensuring that Equifax corrects the inaccurate reporting on my credit report. If these accounts can not be verified or updated, I demand that they be removed or amended to reflect their true status, as discharged in bankruptcy. 

Thank you for your attention to this matter. I look forward to your prompt resolution and confirmation that these corrections have been made.

Company response to consumer: Closed with non-monetary relief