Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
I am submitting this formal complaint and request for investigation under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681, regarding inaccurate and/or unverified information appearing on my credit reports maintained by the nationwide consumer reporting agencies ( XXXX, Equifax, and XXXX  ) XXXX 

The FCRA requires that consumer reporting agencies ensure the maximum possible accuracy of information reported ( 15 U.S.C. 1681e ( b ) ) and remove or correct any information that can not be verified ( 15 U.S.C. 1681i ).

Upon reviewing my credit reports, I identified multiple negative entries that appear to be inaccurate, outdated, or unverifiable. These items are damaging my creditworthiness and are not being reported in compliance with federal law. 

I am requesting that the CFPB require the credit bureaus to : Conduct a full investigation into each negative item in dispute, Provide documented verification from the original creditor for each item, and Delete any item that can not be fully verified, is inaccurate, or is reported in violation of the FCRA. 

For reference, the disputed items include ( but may not be limited to ) : [ Creditor Name : XXXX  XXXX  / Account Number : XXXX / Balance : {$1100.00} ] [ Inquiries : XXXX XXXX XXXX / Date : XX/XX/XXXX, XXXX XXXX  / Date : XX/XX/XXXX, XXXX XXXX  / Date : XX/XX/XXXX, XXXX XXXX XXXX XXXX / Date : XX/XX/XXXX, XXXX XXXX XXXX / Date : XX/XX/XXXX, XXXX XXXX Bank XXXX / Date : XX/XX/XXXX, XXXX XXXX XXXX / Date : XX/XX/XXXX, XXXX XXXX  / Date : XX/XX/XXXX, XXXX XXXX Date : XX/XX/XXXX, XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, XXXX XXXX / Date : XX/XX/XXXX, XXXX XXXX  / Date : XX/XX/XXXX, XXXX  XXXX  - XXXX / Date : XX/XX/XXXX I am filing this complaint under the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) regarding the reporting of a XXXX  XXXX bankruptcy on my credit reports by the nationwide consumer reporting agencies ( XXXX, Equifax, and XXXX  ). 

The bankruptcy information being reported is inaccurate and unverifiable. The credit bureaus have not provided documented verification directly from the U.S. Bankruptcy XXXX. Instead, they appear to be relying on third-party data, which does not satisfy the FCRAs requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ). 

I am requesting that the CFPB require the credit bureaus to : Provide documented proof directly from the bankruptcy court verifying the filing, Identify the method of verification, including the name of the court official contacted, and Delete the bankruptcy from my credit reports if proper verification can not be produced, in compliance with 15 U.S.C. 1681i. 

Until and unless the credit bureaus can furnish proper verification from the original source, this XXXX  XXXX bankruptcy must be removed.

Company response to consumer: Closed with explanation