Consumer complaint received 2025-11-07 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: MS

Complaint narrative:
* * Bankruptcy Dispute Letter XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : * * * * Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : * * Formal Dispute of Bankruptcy Reporting Grounds for Correction or Deletion * * Re : * * Case Reference # XXXX / Filed XX/XX/XXXX / Discharged XX/XX/XXXX -- - Dear Credit Bureau Representative, I am writing to formally dispute the accuracy and completeness of a bankruptcy entry that is currently being reported on my credit file by your agency. This entry violates the Fair Credit Reporting Act ( * * FCRA 607 ( b ) * * and * * 611 ( a ) * * ) because it contains incomplete, misleading, and unverifiable information.

According to my credit report : | Bureau | Filed/Reported | Released/Closing | Status | Added in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax | XX/XX/XXXX | XXXX XXXX Blank ( no released/discharged info ) * * | Negative | XX/XX/XXXX | U.S. BKPT CT XXXX XXXX | XXXX | | Experian XXXX XX/XX/XXXX | XX/XX/XXXX | Negative | XX/XX/XXXX | U.S. Bankruptcy Court | XXXX | | TransUnion XXXX XX/XX/XXXX | XX/XX/XXXX | Negative | XX/XX/XXXX | U.S. Bankruptcy Court | XXXX | * * Basis of Dispute * * 1. * * Incomplete Reporting ( Equifax ) * * * Equifax failed to list a discharge or release date, leaving the entry incomplete and misleading.

* Under * * FCRA 607 ( b ) * *, all information must be accurate and complete.

2. * * Incorrect Status ( Experian and TransUnion ) * * * Both Experian and TransUnion report the status as Negative, but my bankruptcy was * * fully discharged on XX/XX/XXXX * * by the U.S. Bankruptcy Court in XXXX, Mississippi. 
* This violates * * FCRA 611 ( a ) * * because the data is not current or fully verified.

3. * * Possible Unverified Reinsertion ( All Bureaus ) * * * Each bureau lists Added in XXXX XX/XX/XXXX. 
* This indicates the item was reinserted more than three years after discharge.

* Under * * FCRA 611 ( a ) ( 5 ) ( B ) * *, any reinserted item must be * * reverified with the original source ( U.S. Bankruptcy Court ) * * before being placed back on a consumers report.

# # # * * Requested Action * * I am requesting that you : * * * Verify this bankruptcy entry directly * * with the * * U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) * * ; * * * Provide written verification * * of the filing and discharge dates, as well as the authority who furnished this information to your agency; * * * Correct all incomplete or inaccurate fields * * ( including the discharge date and status ) ; * Or, * * if verification can not be completed within 30 days * *, * * delete this entry entirely * * from my credit file as required under * * FCRA 611 ( a ) ( 1 ) ( A ) * *.

Sincerely, * * XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation