Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint against Equifax, Experian, and TransUnion for willfully and recklessly violating the Fair Credit Reporting Act ( FCRA ) and Metro 2 data reporting standards. All three credit bureaus are currently reporting inaccurate, incomplete, and unverifiable bankruptcy records on my consumer credit files, which has caused significant harm to my credit standing and financial reputation. Specifically, these recordsreferenced as Bankruptcy Case # XXXX and Case # XXXX never verified directly with the U.S. Bankruptcy Court, Middle District of XXXX. The court itself does not report consumer data to any credit bureau or data furnisher, meaning that these entries were obtained from unverified third-party data vendors or data aggregators. This process violates the FCRA, which requires that all public records be verified through certified documentation from the original source. 

Each of the XXXX bureaus has failed to maintain reasonable procedures to ensure maximum possible accuracy as required under FCRA 1681e ( b ). They have also failed to conduct proper reinvestigations upon dispute, in violation of 1681i ( a ), despite receiving multiple written notices from me. Furthermore, the continued reporting of these unverifiable bankruptcy records constitutes a willful act of negligence under 623 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ), as they are knowingly publishing information that is false and misleading. I also believe that their conduct violates the Federal Trade Commission Act, 15 U.S.C. 45, by engaging in unfair and deceptive practices through the reporting of false public record information. 

On XX/XX/year>, I sent formal dispute letters to each credit bureau, including a notice of warning for delay in processing under 15 U.S.C. 1681i. In these letters, I detailed the specific FCRA and Metro 2 violations committed by each bureau and requested the immediate and permanent deletion of the bankruptcy entries from my reports. I provided copies of my personal identification, social security card, and a recent bank statement from XXXX for verification purposes. Additionally, I included proof of a national data breach affecting my information, further emphasizing the high likelihood of data compromise and the danger of these bureaus relying on unverified public records. 

Despite my detailed disputes and documentation, the credit bureaus have continued to publish these inaccurate records. Equifax, Experian, and TransUnion each report the same false bankruptcy case information, listing it as discharged without any verified liability, docket, or court certification. This reporting is not only unsubstantiated but also misleading, and it has caused damage to my credit profile, including the lowering of my XXXX score and interference with my ability to obtain fair credit. The reporting of these unverified public records also violates Metro 2 data field standards outlined in the Credit Reporting Resource Guide ( CRRG ), which require bankruptcy entries to contain precise, verifiable source data directly from the court of record, including full docket numbers and disposition details. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) compel these credit bureaus to permanently delete all unverifiable bankruptcy data from my reports and all related databases. I also request that they provide written documentation detailing the source of the bankruptcy data, the verification methods used, and the specific entities with whom this information has been shared. I further request corrected copies of my consumer reports reflecting the removal of all inaccurate information. 

The continued reporting of these unverified bankruptcies, particularly after formal disputes, demonstrates a pattern of willful noncompliance with federal consumer protection laws. It has caused ongoing harm, emotional distress, and damage to my credit reputation. I am asking for the CFPBs assistance in ensuring that these agencies comply with federal law and restore the accuracy and integrity of my consumer credit files. If the credit bureaus fail to comply, I intend to pursue further legal remedies through the Federal Trade Commission ( FTC ), the Florida Attorney Generals Office, and civil litigation as necessary.

Company response to consumer: Closed with non-monetary relief