Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX, XXXX Request for Removal of Fraudulent Bankruptcy Reporting Due to Identity Theft ( Case No. XXXX ) Immediate Removal Request for Fraudulent Bankruptcy Reporting Identity Theft Case No. XXXX Dear Consumer Financial Protection Bureau Representative, Subject : Immediate Removal Request for Fraudulent Bankruptcy Reporting Identity Theft Case No. XXXX To : Consumer Financial Protection Bureau Dear Consumer Financial Protection Bureau Representative, I am writing to request your urgent assistance regarding a fraudulent bankruptcy listed on my credit reports with Equifax,XX/XX/XXXX XX/XX/XXXX and any other credit reporting agencies that may maintain my credit file. This bankruptcy is the result of identity theft, as documented in XX/XX/XXXXXXXX XXXX Sheriffs Office Report No. XXXX ( XX/XX/XXXX ). 

I have attached supporting documentation, including : - The police report from the XXXX XXXX Sheriffs Office. 
- The Federal Trade Commission ( FTC ) identity theft report. 
- Progressive Insurance Claim No. XXXX, directly associated with this identity theft case. 

Despite submitting this evidence to the credit reporting agencies, the fraudulent XX/XX/XXXX XXXX bankruptcy remains listed, severely damaging my creditworthiness and causing ongoing harm to my personal and business financial affairs. This inaccurate reporting inhibits my ability to secure loans, maintain favorable credit terms, and conduct routine business transactions, resulting in substantial economic harm. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, credit reporting agencies are required to conduct a reasonable investigation of disputed information and promptly remove inaccurate or unverifiable data, including fraudulent bankruptcy information. 

According to the Bankruptcy XXXX, XXXX XXXX. XXXX, an automatic stay is imposed upon bankruptcy filing, halting collection efforts. Fraudulent bankruptcy filings are invalid and should not impose ongoing legal or credit consequences. 

Further, Uniform Commercial XX/XX/XXXX ( UCC ) Article XXXX, governing secured transactions, protects commercial interests by invalidating liens or claims supported by erroneous bankruptcy records that unjustly impair my business dealings. 

Because this bankruptcy was fraudulently filed under stolen identity credentials, it is inaccurate and unverifiable. Therefore, I am formally requesting that the CFPB immediately instruct Equifax, XX/XX/XXXX and any other credit reporting agencies to : XXXX. Remove the fraudulent bankruptcy record from my credit reports without delay. 
XXXXProvide written confirmation of deletion and correction across all credit bureaus. 
XXXX. Ensure no future reinsertion of the same fraudulent item, pursuant to FCRA section XXXX ( a ) ( XXXX ). 

The ongoing reporting of this fraudulent bankruptcy constitutes a direct violation of the FCRA and related commercial codes, continuing to cause measurable credit damage and harm to my business affairs. I respectfully request that this matter be treated as urgent and prioritized for immediate investigation and resolution. 

Thank you for your immediate attention to this critical issue. Please confirm receipt of this letter and notify me promptly of the actions taken to remove this inaccurate information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX attached with be proof of claims

Company response to consumer: Closed with explanation