Consumer complaint received 2025-05-26 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: TX

Complaint narrative:
Subject : Unverifiable Bankruptcy Reporting and Related Account Comments FCRA, GLBA & Privacy Act Violations I am filing this formal dispute and complaint against Experian, Equifax, TransUnion for unlawfully reporting a bankruptcy public record and attaching misleading, irrelevant, and damaging bankruptcy-related comments to individual tradelinesviolating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Gramm-Leach-Bliley Act ( GLBA ), and the Privacy Act of 1974. 

I. UNVERIFIABLE BANKRUPTCY MUST BE DELETED You are reporting a bankruptcy under case number XXXX, allegedly filed in the US BKPT CT TX XXXX. This public record is unverified, unverifiable, and was obtained through improper and unreliable third-party sources such as XXXX, PACER scraping services, or other unauthorized vendors. 

The bankruptcy court does NOT report information to credit bureaus. Any record not obtained directly and lawfully from the originating sourcethe court itselfis unreliable and fails the FCRA 1681e ( b ) standard of maximum possible accuracy. 

I am not required to provide any documentation or verification for an item I did not furnish. The burden of proof is entirely on you. 

Under FCRA 1681i ( a ), if you can not verify an item with accuracy and specificity, it must be deleted within 30 days of this dispute. This record has no legally sufficient chain of custody and must be removed in full. 

XXXX. MISLEADING BANKRUPTCY LANGUAGE ON ACCOUNTS DELETE IMMEDIATELY You have permitted creditors to add damaging and misleading language to accounts, including but not limited to : Included in Bankruptcy XXXX in Bankruptcy Chapter XXXX Bankruptcy Filed Bankruptcy Chapter XXXX Bankruptcy Petition Bankruptcy Status Closed {$0.00} Balance due to Bankruptcy This language is being applied to accounts regardless of whether the debt was actually included, legally XXXX, reaffirmed, or paidcreating a false and harmful impression to future lenders, employers, and landlords. 

This constitutes a violation of : FCRA 1681e ( b ) failure to report maximum possible accuracy FCRA 1681i ( a ) failure to reasonably investigate or correct disputed data 15 U.S.C. 6801 et seq. ( GLBA ) unlawful transmission and storage of nonpublic personal financial information without consumer consent Privacy Act of 1974, 5 U.S.C. 552a wrongful acquisition, use, and dissemination of personal records by unauthorized third parties You are further violating my right to financial privacy by maintaining and distributing information that was never lawfully verified or obtained, in direct contradiction to applicable consumer protection laws. 

XXXX. DEMANDS Permanently DELETE the bankruptcy public record from my credit file REMOVE ALL account-level comments, notes, remarks, or notations referencing bankruptcy in any form ( including but not limited to Included in bankruptcy or XXXX in bankruptcy ) Do not instruct creditors to reinsert similar language without certified documentation showing the debt was in fact listed, not reaffirmed, and was legally XXXX Provide a written explanation of how you obtained the public record and what steps were taken to verify its legality, chain of custody, and accuracy Cease and desist any further reporting or sharing of unverifiable or unverified bankruptcy data IV. NOTICE OF INTENT TO PURSUE DAMAGES Failure to comply within the statutory XXXX window may result in civil action under FCRA 1681n and 1681o, including : Statutory damages Actual damages Punitive damages Legal fees In addition, I will escalate this matter to the FTC, my state attorney general, and initiate legal proceedings if necessary. 

You are hereby placed on notice.

Company response to consumer: Closed with explanation