Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FINAL NOTICE Unverified Public Record ( XXXX ) Dispute I am submitting this letter as a third and final written dispute regarding the inaccurate reporting of a XXXX  and inquiries on my credit report. I initially disputed this on XX/XX/XXXX, and have not received a satisfactory response or evidence of proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ).

Legal Grounds for Removal XXXX  Can not Be Verified via Third-Party Sources The XXXX  listed on my credit report can not be properly verified under FCRA 611 . The credit bureau is not permitted to use third-party vendors such as XXXX or XXXX, which are not original furnishers of information. 
The XXXXXXXX XXXX XXXX do not furnish consumer information to credit bureaus and do not verify data with any credit reporting agency.

In accordance with FCRA 611 ( a ) ( 6 ) and 611 ( a ) ( 7 ) : A consumer reporting agency shall provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted As such, I am demanding that you : 1. Immediately remove the public record bankruptcy from my credit report, or 2. Provide the exact name and contact information of the original furnisher of this record ( which you can not, as courts do not furnish such data ), and 3. Provide the method of verification used in your last investigation. 



Supporting Legal Precedent Numerous federal courts have held that credit bureaus violate the FCRA when they rely on public record vendors or fail to conduct a real reinvestigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reinforces a CRAs duty to reasonably investigate disputed data and not rely blindly on third parties. 
XXXX v. Experian, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian was found liable for failing to verify public record information after relying on a third-party aggregator. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FCRA requires a CRA to do more than passively accept information from unreliable sources. 
XXXX v. Equifax, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bureau was found liable for improper reinvestigation of bankruptcy information. 



Liability for Damages Per FCRA 616 and 617, you may be held liable for : Actual damages, including harm to credit score, emotional distress, or denial of credit Statutory damages up to {$1000.00} per violation Punitive damages Attorney fees and costs I have retained copies of all disputes, credit reports, and evidence in the event legal action becomes necessary. 

FINAL DEMAND If you fail to correct or remove the inaccurate public record from my credit report, or fail to provide complete verification, I will take the following steps : File a complaint with the Consumer Financial Protection Bureau ( CFPB ) Submit complaints to my state Attorney General Seek legal counsel to file a claim in federal court for FCRA violations This is your final opportunity to comply with the law and correct this error without escalation.

Company response to consumer: Closed with explanation