Consumer complaint received 2025-11-10 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: IL

Complaint narrative:
I am filing this complaint against Equifax and Experian for willfully and negligently reporting inaccurate and unverifiable public record information related to an alleged bankruptcy, Case # XXXX, on my consumer credit reports.

This entry has been continuously reported despite multiple written disputes, supporting documentation, and confirmation from TransUnion that the record could not be verified and was permanently deleted.

Summary of Violations Both bureaus have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 data-furnishing standards by : Reporting unverifiable and inaccurate public record data obtained from third-party aggregators ( XXXX ) rather than certified court records.

Continuing to furnish this information after written disputes and CFPB-filed evidence confirming non-verification.

Ignoring statutory requirements to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and to conduct a lawful reinvestigation upon dispute ( 15 U.S.C. 1681i ).

Failing to correct or delete data after notification that the furnishers verification was invalid, in violation of 15 U.S.C. 1681s-2 ( b ).

Engaging in deceptive and unfair reporting practices contrary to 15 U.S.C. 45 ( FTC Act ) and FDCPA 807 ( 8 ).

Evidence Summary According to the CFPB Response dated XX/XX/XXXX ( CFPB Case # XXXX ) from XXXX, all bankruptcy data furnished to the CRAs was derived from XXXX XXXX XXXX, not from certified court sources. This confirms the data was never validated by the court of record, directly violating Metro 2 Sections 1.3 and 2.2 which require verifiable source documentation.

Furthermore : The filing and closing dates are inconsistent across bureaus ( Equifax XX/XX/XXXX vs Experian XX/XX/XXXX ). 

The court name and docket references are incomplete and non-standard.

The amount and status fields are blank, and no plaintiff information is listed.

These omissions demonstrate that the data can not meet the maximum possible accuracy standard mandated by 1681e ( b ).

Data Breach and Privacy Impact I am an officially verified Equifax Data Breach Impacted and XXXX XXXX Data Breach Impacted consumer. XXXXXXXX XXXX  breached, aggregated, or third-party public data to verify this bankruptcy constitutes reckless disregard of data integrity under FCRA 602 ( a ).

Reporting such compromised information without certified verification also violates the consumers right to privacy under 604 ( a ), which limits dissemination of personal data to parties with a permissible purpose. 

Equifax & Experian Conduct Despite being presented with : Prior CFPB complaint documentation, Written disputes dated XX/XX/XXXX, and A full explanation of XXXX admission of non-certified sourcing, both bureaus continue to publish and furnish the same false bankruptcy record. This demonstrates knowing and willful noncompliance within the meaning of 15 U.S.C. 1681n, entitling the consumer to statutory damages and legal relief.

Requested Relief I respectfully request the following : Immediate and permanent deletion of all bankruptcy-related data ( Case # XXXX ) from Equifax and Experian files. 

Written verification showing the furnishing source, verification method, and documentation relied upon ( if any ).

Updated consumer reports confirming removal of the disputed record.

CFPB enforcement investigation into Equifax and Experians systemic use of uncertified XXXX  data furnished by XXXX in violation of Metro 2 and FCRA standards.

Referral to FTC and the Illinois Attorney General for potential deceptive trade practices.

Conclusion Both credit bureaus have willfully failed to comply with FCRA, Metro 2, and CFPB enforcement requirements. Their continued reporting of unverifiable bankruptcy data has caused significant harm to my reputation, credit score, and access to fair housing and financial opportunities. I am seeking immediate correction, accountability, and consumer protection intervention.

Company response to consumer: Closed with explanation