Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A ) CFPB Online Complaint Credit Reporting What is your complaint about? 

Credit reporting or credit repair services Credit reporting Problem with a credit reporting companys investigation into an existing problem Incorrect information on your report Public record information Companies youre complaining about ( add multiple ) : TransUnion LLC ( credit reporting company ) Equifax Information Services LLC ( credit reporting company ) XXXX XXXXXXXX XXXX XXXX XXXX ( credit reporting company )  XXXX XXXX XXXX XXXX XXXX ( credit reporting company ) ( XXXX but recommended as a second complaintsee Part B ) : XXXX XXXX XXXX XXXX XXXX ( public records furnishing ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Describe what happened ( consumer narrative ) : I am disputing a XXXX XXXX bankruptcy public record that appears on my TransUnion and Equifax credit files. XXXX does not report any bankruptcy, which shows a cross-bureau inconsistency. 

Disputed items : TransUnion : XXXX XXXX Bankruptcy Dismissed ; Date Filed/Reported XX/XX/XXXX ; Closing XX/XX/XXXX ; Court : XXXX Bankruptcy XXXX XXXX XXXX XXXX. 
Equifax : Chapter XXXX Bankruptcy Dismissed ; Date Filed/Reported XX/XX/XXXX ; Closing ; Court : Federal ; Ref XXXX ; Remarks : XXXX disputes reinvestigation in progress. 
XX/XX/XXXX : No bankruptcy reporting ( cross-bureau inconsistency ). 

Why this is inaccurate/unverifiable : Courts do not report to credit bureaus. I contacted the court and the clerk confirmed the court does not furnish data to credit bureaus. Yet TransUnion/Equifax notes imply verified through the courts, which is misleading.

Cross-bureau conflict : one bureau reports no bankruptcy while others do, violating the maximum possible accuracy requirement. 

No underlying negative debt : My current credit summary shows 0 derogatories, 0 collections, 0 delinquencies with XXXX total accounts ( TU/XX/XX/XXXX/EQ ) and XXXX open accounts ; balances are consistent ( {$17000.00} across all three ). A bankruptcy absent corroborating delinquent trade lines is illogical and misleading. 

Identity-theft/mixed-file indicators : I submitted FTC Identity Theft Report ID XXXX ( XX/XX/XXXX ). Under FCRA 605B, identity-theft items must be blocked. 

Prior disputes & requests ( XX/XX/XXXX ) : I mailed formal disputes to each CRA demanding deletion, Method of Verification ( MOV ), and correction of my personal information ( Metro 2 Code 112 ). I requested disclosure of any public-records vendor used ( e.g.XX/XX/XXXX ) and the exact identifiers/documents used to link the court record to me.

FCRA provisions at issue : 607 ( b ) ( maximum possible accuracy ), 609 ( a ) ( 1 ) ( source disclosure ), 611 & 611 ( a ) ( 6 ) ( B ) ( iii ) ( reasonable reinvestigation & MOV ), 611 ( a ) ( 5 ) ( B ) ( reinsertions ), and 605B ( identity-theft blocking ). 

Harm : False public record depresses my creditworthiness and exposes me to denials/higher rates.

Company response to consumer: Closed with non-monetary relief