Consumer complaint received 2025-12-01 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 : Equifax Reporting Bankruptcy With False Verification & Refusing to Investigate Unauthorized Inquiries FCRA Violations Complaint : I am filing this complaint because Equifax is reporting inaccurate information and refusing to conduct legally required reinvestigations under the Fair Credit Reporting Act ( FCRA ). This complaint includes new evidence not previously submitted. 

ISSUE XXXX BANKRUPTCY FALSE VERIFICATION ( New Evidence ) I disputed a bankruptcy being reported on my Equifax file because it is not accurate. Equifax repeatedly marked the bankruptcy as verified, even though I submitted an official letter from the United States Bankruptcy Court XXXX XXXX XXXX XXXX proving that Equifax could not have verified this information with the court. 

The attached court letter, signed by Deputy Clerk XXXX XXXX, states : The Bankruptcy XXXX has no jurisdiction over credit reporting agencies. 

The Bankruptcy Court does not subscribe to any service with credit reporting agencies.

The Bankruptcy Court does not report records with any credit reporting agency.

The Bankruptcy Court has no statutory authority to effect change to credit records. 

This proves that : Equifax did NOT verify the bankruptcy with the court ( the only original source ). 

Any verification was based on third-party data, not the original source. 

Equifaxs investigation was NOT reasonable under FCRA 611 ( a ) ( 1 ) ( A ).

Equifax is reporting unverified information, violating FCRA 607 ( b ) ( maximum possible accuracy ).

I am requesting that the CFPB require Equifax to : Provide documented proof directly from the U.S. Bankruptcy Court showing who verified this bankruptcy, including the name of the official contacted, OR Delete the bankruptcy immediately because proper verification can not be produced per 15 U.S.C. 1681i ( a ).

The bankruptcy court letter is included as new evidence.

ISSUE 2 REFUSAL TO INVESTIGATE UNAUTHORIZED HARD INQUIRIES I also disputed several unauthorized hard inquiries on my Equifax report. 

Equifax refused to reinvestigate unless I filed a police report. 

This is illegal. 

A police report is required only when a consumer alleges identity theft under FCRA 605B.

Unauthorized inquiries identity theft.

Equifax is obligated under : FCRA 611 ( a ) ( 1 ) ( A ) to reinvestigate FCRA 611 ( a ) ( 2 ) to forward all information to furnishers FCRA 607 ( b ) to ensure accuracy Equifax never conducted a reinvestigation, and never contacted the companies who supposedly obtained my authorization. 

I am requesting that the CFPB require Equifax to : Reinvestigate each disputed hard inquiry, Provide the Method of Verification for each inquiry, including : Who authorized the inquiry The date/time authorization was provided The signed authorization form or electronic consent The IP address used ( if electronic ) Delete any inquiry for which the furnisher can not prove my authorization. 

SUMMARY OF RELIEF REQUESTED I am asking CFPB to enforce Equifaxs obligations under FCRA : Remove the bankruptcy if they can not verify it with the original source ( the court ). 

Require Equifax to reinvestigate unauthorized inquiries. 

Require Equifax to provide documentation proving authorization for each inquiry. 

Remove any inquiry that can not be substantiated. 

The bankruptcy court letter and dispute documentation are attached. 

This complaint contains new evidence and should be treated as a new case.

Company response to consumer: Closed with explanation