Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
I am formally contesting the validity of the derogatory late payment claim reported against me. You and all other reporting entities are legally obligated to maintain and follow reasonable procedures to ensure the maximum possible accuracy of all reported consumer credit data, especially when it reflects alleged delinquencies. 

I suspect that the information you reported and any related claims by third-party furnishers lacks sufficient evidence to meet even the minimum standards required under the Fair Credit Reporting Act ( FCRA ), Metro 2 reporting guidelines, Regulation V, and 15 U.S.C. 1681s-2. The presence of inaccurate or misleading data on my report suggests a failure on your part to follow legally mandated procedures and to verify the accuracy of this derogatory claim. 

Your duty as a data furnisher is to report only fair, verifiable, and accurate information. If you know or should reasonably know that the data is inaccurate or questionable, you are prohibited from reporting it. Therefore, I demand the immediate deletion of the following inaccurate item from your reporting system : Public Record Being Challenged : Federal Case No. XXXX This letter serves as a formal and final demand for the deletion of this public record, which falsely continues to report a discharged bankruptcy. This act violates multiple provisions of federal law and demonstrates willful non-compliance with your legal obligations under the FCRA and related consumer protection statutes.

FCRA Violations You Have Committed : 15 U.S.C. 1681e ( b ) ( Section 607 ( b ) ) Failure to maintain procedures to ensure maximum possible accuracy.

15 U.S.C. 1681g ( a ) ( 1 ) ( Section 609 ( a ) ( 1 ) ( B ) ) Failure to provide the source of the information being reported.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( Section 611 ( a ) ( 1 ) ( A ) ) Continuing to report disputed public record data after being notified. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( C ) ( Section 623 ( a ) ( 1 ) ( C ) ) Knowingly misrepresenting the legal status of this discharged bankruptcy.

YOU HAVE NO VERIFIABLE SOURCE OF REPORTING The bankruptcy identified as Public Record XXXX XXXX CT CA XXXX Case # XXXX Filed XX/XX/year> has been legally discharged. The court has fulfilled all obligations, and there is no lawful basis for continuing to report it. If you claim otherwise, provide the following : Name of the entity that verified the record Physical address Direct contact information You are required to provide this information upon request. The burden of proof is on YOU. 

Legal Consequences for Continued Non-Compliance : If this record is not deleted immediately, I will take the following actions : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Office of the State Attorney General for willful violations of federal consumer protection laws. 

Initiate legal action under 15 U.S.C. 1681n, seeking : Statutory damages ( up to {$1000.00} per violation ) Actual damages Punitive damages Legal fees Request a full investigation and audit by federal regulators.

FINAL DEMAND REMOVE THIS PUBLIC RECORD IMMEDIATELY Your continued reporting of this public record constitutes intentional negligence and further strengthens my case. You have 15 days to delete this item and confirm in writing that it has been permanently removed.

In addition, I demand : A full updated copy of my credit report mailed to the address below, as required by FCRA Section 612 ( b ) [ 15 U.S.C. 1681j ( b ) ] A description of your procedures used to verify the accuracy of this item, provided within 15 days of your reinvestigation, as a separate request from the 30-day dispute window I have already provided sufficient documentation to support my position. If you require additional information, contact me in writing at the address provided below.

Failure to comply will result in swift legal and regulatory action.

Company response to consumer: Closed with explanation