Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Subject : Ongoing Credit Report Inaccuracies and Post-Bankruptcy Code Violations After Removal I am filing this complaint against Equifax credit reporting agency for continued inaccurate credit reporting, despite my repeated disputes and the formal removal of my bankruptcy from my credit report on XX/XX/XXXX. 
I began disputing several accounts on XX/XX/XXXX, providing documentation, timelines, and correction requests. Yet many accounts continue to report narrative codes and statuses related to a Chapter XXXX bankruptcy that no longer exists on my file. 
Since the bankruptcy was deleted on XX/XX/XXXX, but several accounts are still reporting bankruptcy codes ( e.g., XXXX XXXX  XXXX, XXXX Bankruptcy Petition ), this is a clear violation of the Fair Credit Reporting Act ( FCRA ). Once a bankruptcy is removed, all related codes or references must also be removed from associated tradelines. 
Below is an updated, final version of your CFPB complaint letter, now reflecting : Your dispute start date ( XX/XX/XXXX ) The removal of the bankruptcy ( XX/XX/XXXX ) The continued inaccurate reporting by Equifax Credit Agency Key Issues Include : XXXX. Continued Reporting of Bankruptcy-Related Codes ( XXXX, XXXX ) o Despite the bankruptcy being deleted from my credit report as of XX/XX/XXXX, several creditors continue to report codes such as : XXXX Bankruptcy Chapter XXXX XXXX Bankruptcy Petition XXXX Consumer Disputes After Resolution ( even after resolved ) o These are now inaccurate and misleading. 
XXXX. Unresolved Disputes and " Reinvestigation in Process '' Flags ( XXXX ) o Several accounts ( e.g., XXXX XXXX XXXX XXXX ) still show " Consumer Disputes Reinvestigation in Process '' ( XXXX XXXX ) months after my original dispute. No reinvestigation results have been provided. 
XXXX. Incorrect Charge-Offs and Payment History o XXXX XXXX XXXX  is reporting a {$1000.00} charge-off, yet still shows a balance of {$280.00}, which the account has been closed, paid as agreed and paid in full. 
o Multiple accounts report payments or balances in XXXX, even after closure in XXXX ( e.g., XXXX, XXXX XXXXL ), which appears to be re-aging of accounts or outdated data when they are closed and paid in full and paid as agreed. 
XXXX. Inconsistent Status Fields or Missing Information o Many tradelines lack proper status ( e.g., Closed '', " Pays as Agreed '' ) or do not match the reported dates or balances. 
o XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ) has no listed status which is closed and paid as agreed, but shows delinquency history and no payments since XXXX. 
o XXXX continues to reflect bankruptcy and codes when bankruptcy has been deleted on XX/XX/XXXX and dispute codes but no balance or current status which is closed and paid as agreed. 
Requested Action : Under the Fair Credit Reporting Act ( FCRA ), I am requesting the CFPB to : XXXX. Investigate Equifax reporting post-bankruptcy codes ( XXXX, XXXX, XXXX ) after the bankruptcy was deleted on XX/XX/XXXX. 
XXXX. Require the removal of inaccurate, outdated, and unverifiable information, including charge-offs and re-aged payment history. 
XXXX. Ensure credit reporting agencies provide detailed dispute findings and not generic verified outcomes. 
XXXX. Enforce compliance with FCRA XXXX and XXXX, ensuring timely and accurate dispute resolution and complete removal of misleading codes. 
Supporting Documents to Attach : Credit report pages showing : o Deleted bankruptcy confirmation o Accounts with continued bankruptcy codes o Tradelines showing status conflicts or errors Dispute confirmation ( dated XX/XX/XXXX and after ) Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief