Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX Prior Investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : THIRD COMPLAINT Continued FCRA Violations by Equifax Related Complaints : # XXXX # XXXX To Whom It May Concern, This complaint is being filed due to Equifaxs willful and continued violation of the Fair Credit Reporting Act ( FCRA ) following their most recent response through the CFPB portal. 

Summary of Issue : Despite repeated certified disputes and official documentation from the U.S. Bankruptcy Court in XXXX stating they do not furnish public records to Equifax or any third party, Equifax continues to report an unverified and inaccurate bankruptcy on my credit file. 

Their repeated claim that : " EQUIFAX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU '' fails to demonstrate any proof, legal validation, or method of verification from the original source the court itself.

Key FCRA Violations : 1. 15 U.S.C. 1681i ( a ) : Equifax did not conduct a reasonable reinvestigation. They failed to verify the disputed bankruptcy directly with the court and have not produced a single document showing how they tied this record to me. 

2. 15 U.S.C. 1681e ( b ) : Equifax is failing to maintain reasonable procedures to assure maximum possible accuracy. The continued reliance on unregulated third-party vendors rather than original source verification directly contradicts FCRA mandates .

3. Refusal to Provide Proof of Verification : Repeated requests for evidence of how Equifax verified this information go unanswered. No court docket, signature, or identifying legal paperwork has been produced.

Certified Court Documentation Already Provided : A certified statement from the U.S. Bankruptcy Court XXXX confirms that they do not report to Equifax or any third-party data furnishers.

This documentation directly invalidates Equifaxs claim of proper verification.

Consumer Harm : This inaccurate reporting has now caused : Credit denials Increased borrowing costs Reputational damage Stress and emotional harm I have already submitted multiple complaints, and Equifaxs response remains boilerplate, evasive, and in violation of their legal responsibilities. 

Relief Sought : I am demanding : Immediate deletion of the bankruptcy from my Equifax credit report.

Written explanation of how Equifax verified the public record, including the name of the court official or docket used.

Regulatory action and sanctions for Equifaxs ongoing failure to comply with federal law.

Damages and restitution for repeated harm and willful noncompliance.

Final Note : Equifax has demonstrated a pattern of willful FCRA violations, and I am now requesting the CFPB investigate this matter at a deeper level to prevent ongoing harm to myself and other consumers. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation