Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Date : XX/XX/year> Certified Mail # : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Iowa XXXX, IA XXXX Re : XXXX XXXX Noncompliance / Bankruptcy Record # XXXX / CFPB Case # XXXX To Whom It May Concern : This letter is a formal follow-up dispute under the Fair Credit Reporting Act ( 15 U.S.C.

1681i & 1681e ( b ) ) and the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) standards. 
Im submitting this dispute on my own no company is being PAID or individual is assisting me, THERFORE, please dont send me any stall letters stating it appears a credit repair company is helping me. 
XXXX. Improper XXXX XXXX Coding of Disputed Bankruptcy Bankruptcy Record # XXXX was disputed on XX/XX/year> and again on XX/XX/year>. 
XXXX failed to properly apply XXXX XXXX coding during the reinvestigation process : XXXX ( XXXX disputes, investigation pending ) should have been applied during reinvestigation. 
Upon completion, the record should have been coded as XXXX ( Consumer disputes, reinvestigation completed, information changed ) or DA ( Deleted ), because the court address and attorney representation fields are inaccurate and unverifiable. 
Instead, XXXX improperly treated the entry as verified, leaving false data uncorrected, which violates both FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX XXXX standards. 
XXXX. Inaccurate Court Address My Equifax credit report ( attached ) shows the bankruptcy court address as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX the business address of XXXX XXXX XXXX. 
This is not the address of the XXXX Bankruptcy XXXX. XXXX reinvestigation failed to identify or correct the furnisher of this false data element. 
XXXX. False Attorney Representation PACER confirms no attorney was entered in my bankruptcy case ; I filed pro XXXX. 
Your record improperly lists both XXXX XXXX and an attorney representation, which is internally contradictory and therefore inaccurate. 
XXXX. FCRA & XXXX XXXX Duties Under FCRA XXXX ( a ) ( XXXX ) ( A ), unverifiable or inaccurate information must be deleted. 
Under XXXX XXXX XXXX, every data element reported must be accurate and properly coded when disputed. Failure to apply the correct XB/XC/DA codes constitutes willful noncompliance with industry standards and FCRA. 
Requested Action XXXX. XXXX. XXXX. XXXX. Immediately recode Bankruptcy Record # XXXX in XXXX XXXX as DA ( Delete ), or at minimum XC ( Changed ) with corrected court address and attorney fields. 
Provide me with the XXXX XXXX reinvestigation results showing the final dispute code applied. 
Forward corrected/deleted results to all nationwide CRAs ( Equifax, Experian, TransUnion ) under XXXX ( a ) ( XXXX ) ( B ). 
Provide written confirmation within 15 days. 
Failure to comply will constitute willful noncompliance under XXXX XXXX. XXXX, exposing XXXX to statutory, actual, and punitive damages, as well as attorneys fees and costs. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX Enclosures : Copy of XXXX report showing disputed bankruptcy Equifax screenshot with false court address ( XXXX XXXX XXXX XXXX XXXX XXXX ) Public record showing XXXX XXXX XXXX at that address PACER screenshot showing no attorney representation Government-issued ID & proof of addres

Company response to consumer: Closed with explanation