Consumer complaint received 2025-08-15 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: MS

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/year>XXXX  To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Formal Complaint Against Experian for FCRA Violation Failure to Delete Unverifiable Bankruptcy Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Experian and Equifax for willfully failing to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to delete an unverifiable bankruptcy entry from my credit file, even after both XXXX  investigated and removed the same bankruptcy due to inability to verify the information with the furnisher or originating court. 
Background : I previously disputed a bankruptcy entry reported by Experian and Equifax that I believe to be inaccurate and unverifiable. As part of my due diligence, I filed simultaneous disputes with all three major credit bureaus : Experian, XXXX, and Equifax. 
Following proper investigations : XXXX  removed the bankruptcy from my credit report. 
Experian and Equifax, however, failed to remove the bankruptcy and has not provided adequate verification from the original source, such as direct documentation from the court. 
Legal Basis : Under FCRA Section 611, credit reporting agencies are legally obligated to conduct a reasonable investigation of disputed information and to delete any information that can not be verified. Experian and Equifaxs continued reporting of a bankruptcy that one other national CRAs have deemed unverifiable constitutes a willful violation of my rights under the FCRA. 
Further, under FCRA Section 607 ( b ), Experian and Equifax must ensure maximum possible accuracy of information included in consumer reports. Continuing to report unverifiable, potentially inaccurate public record information violates this obligation.

Requested Resolution : I respectfully request that the CFPB investigate Experian and Equifax 's actions and enforce compliance with the FCRA by requiring them to : 1. Immediately delete the bankruptcy from my Experian and Equifax credit file.

2. Provide written confirmation of the deletion.

3. Ensure proper reinvestigation procedures are followed in the future. 
Request for Action : I am demanding that Experian immediately delete the unverifiable bankruptcy from my credit report within 5 days of receipt of this notice. Failure to do so will leave me no choice but to seek all remedies available under the FCRA, including formal legal action and additional complaints to regulatory authorities. 
I am requesting your assistance in holding Experian accountable for their non-compliance. Their failure to act places an unfair and inaccurate burden on my credit profile and financial opportunities. 
I have enclosed supporting documentation, including : Copies of updated reports from XXXX  showing the deletion of the bankruptcy. 

Thank you for your time and prompt attention to this matter. 
Sincerely, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation