Consumer complaint received 2026-03-06 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: LA

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for its continued reporting of a Chapter XXXX bankruptcy public record that has already been deleted by the other nationwide credit reporting agencies and for its failure to conduct a reasonable reinvestigation as required by the Fair Credit Reporting Act. The bankruptcy being reported is listed as : XXXX DIST CT Reference # XXXX Filed/Reported : XX/XX/year>2023 Chapter XXXX Bankruptcy I have submitted multiple written disputes to Equifax challenging the accuracy and verifiability of this public record. Despite these disputes, Equifax continues to report this bankruptcy without providing any certified court documentation verifying the record. During this process, XXXX and XXXX conducted their investigations and removed the bankruptcy from my credit reports. This creates a serious inconsistency. A public record can not reasonably be unverifiable and removable for two nationwide consumer reporting agencies while simultaneously being verified and accurately reportable by another. This discrepancy clearly demonstrates a failure to ensure maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). In my disputes, I specifically requested that Equifax provide certified primary-source documentation obtained directly from the XXXX XXXX XXXX substantiating thXXXX reporting of this bankruptcy. To date, Equifax has not produced any of the following : Certified bankruptcy petition Court-stamped docket records Confirmation order Discharge order Direct verification from the XXXX XXXX XXXX supporting each reported data element Instead, it appears Equifax is relying on automated database matching systems or third-party vendors rather than conducting a reasonable reinvestigation as required under 15 U.S.C. 1681i. Once a consumer notifies a credit reporting agency of inaccurate or unverifiable information, the agency has a legal duty to conduct a meaningful investigation and verify the information using reliable procedures. Simply confirming information through automated systems without obtaining primary source documentation does not meet the legal standard required by the Fair Credit Reporting Act. Equifaxs continued reporting of this bankruptcy after multiple disputes and after the record has been removed by other nationwide credit bureaus strongly suggests negligent or willful noncompliance with federal law under 15 U.S.C. 1681n and 1681o. The inaccurate reporting of this bankruptcy is causing significant harm to my credit profile. Bankruptcy records are among the most damaging items that can appear on a consumer credit report and their continued reporting negatively impacts my ability to obtain credit, housing, and fair financial opportunities. Furthermore, this situation raises serious concerns regarding the integrity of Equifaxs reinvestigation procedures and its failure to maintain uniform verification standards when reporting public records. Because Equifax has failed to provide certified court documentation validating the bankruptcy and because two other nationwide consumer reporting agencies have already removed the record, the continued reporting of this bankruptcy can not meet the Fair Credit Reporting Acts requirement of maximum possible accuracy. Therefore, I am requesting that the CFPB require Equifax to : Conduct a proper investigation using certified documentation obtained directly from the XXXX XXXX XXXX. Immediately remove the Chapter XXXX bankruptcy public record ( Reference # XXXX ) from my credit file if certified court verification can not be produced. Provide written confirmation that the public record has been permanently removed. Ensure that all reporting procedures comply with the Fair Credit Reporting Act going forward. This complaint is being submitted after multiple direct disputes and attempts to resolve the matter with Equifax. Because those efforts have not resulted in a lawful correction of my credit file, I am requesting regulatory assistance through the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation