Consumer complaint received 2025-06-20 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:
To Whom It May Concern : I am writing to formally dispute the inaccurate reporting of XXXXXXXX XXXX XXXX XXXX records ( Case Numbers XXXX and XXXX ) on my consumer credit files maintained by XXXX XXXX XXXX XXXX, EquifaxXXXX XXXX XXXX XXXX, as well as to assert that the reporting lacks permissible purpose and my consent under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This dispute complies with the E-OSCAR system and OCRA format requirements and demands immediate investigation, correction, and removal of these records. 
Factual Background XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX ( Filed XX/XX/XXXX ) : Reported as a XXXX XXXX XXXX dismissed on XX/XX/XXXX, with {$0.00} in assets and liabilities. 
XXXX XXXX XXXX XXXX XXXXXXXX ( Filed XX/XX/XXXX ) : Reported as a XXXX XXXX XXXX filed with {$0.00} in assets and liabilities. 
XXXX. Furnisher Information : The reported furnishers are the XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and related court entities ( e.g., XXXX XXXX XXXX XXXX XXXXXXXX ). 
4. Consumer Assertion : XXXX XXXX XXXX XXXX XXXXXXXX does not report information to credit bureaus, as confirmed by a letter from the XXXX XXXX XXXX, XXXX XXXX, dated XX/XX/XXXX ( attached ). The court explicitly states : XXXX XXXX XXXX XXXX XXXXXXXX does not report information to or remove information from the credit bureaus. 
Legal Grounds for Dispute 1. Inaccurate Reporting Under FCRA 1681e ( b ) and 1681i The FCRA requires consumer reporting agencies ( CRAs ) to maintain reasonable procedures to assure maximum possible accuracy of information ( 1681e ( b ) ). If a consumer disputes the accuracy of reported information, CRAs must conduct a reasonable reinvestigation ( 1681i ). The reported XXXX  are inaccurate for the following reasons : * Courthouse as Furnisher Does Not Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, does not furnish information to CRAs, as confirmed by the courts letter. Public records accessed via PACER are not furnished by the court but collected by third parties like XXXX. Thus, attributing these records to the court as a furnisher is factually false. 
* Case Law Support : In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the court held that CRAs must verify the accuracy of public record data and can not rely solely on third-party vendors like XXXX without independent validation. XXXX removal of XXXX # XXXX from my file on XX/XX/XXXX, acknowledges the inaccuracy, yet the record persists on Equifax, XXXX XXXX XXXX reports. 
* Inconsistencies in Reporting : The XXXX XXXX ( Case # XXXX ) shows varying reference numbers across CRAs ( e.g., XXXX for XXXX, XXXX for Equifax ), indicating unreliable data aggregation. The XXXX XXXX  ( Case # XXXX ) lacks a closing or dismissal date, rendering it incomplete and misleading under FCRA standards.

2. Lack of Permissible Purpose Under FCRA 1681b FCRA 1681b restricts the dissemination of consumer reports to parties with a permissible purpose, such as credit transactions initiated by the consumer. Neither XXXX nor the CRAs had a permissible purpose to report these XXXX  : * No Consumer-Initiated Transaction : I did not apply for credit, employment, or any service requiring a consumer report that would justify accessing or reporting this information. 
* Case Law Support : In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the court ruled that CRAs violate FCRA 1681b when they report information without a permissible purpose, especially when the consumer did not authorize the reporting. 
* XXXX as XXXX : Since the XXXX  court does not report to CRAs, XXXX and the CRAs lacked a legitimate basis to obtain or disseminate this information as a consumer report. 
XXXX. Lack of Consumer Consent I never provided consent for XXXX, Equifax, XXXX XXXX XXXX to report these XXXX  records. FCRA 1681b ( a ) ( 2 ) requires consumer authorization for certain disclosures, and no such authorization exists. The unauthorized reporting constitutes a willful violation under FCRA 1681n, entitling me to statutory damages.

4. Failure to Comply with Metro 2 Guidelines The CRAs reporting does not adhere to the XXXX XXXX XXXX XXXX Metro 2 format, which governs accurate credit reporting. Metro 2 requires furnishers to report complete and accurate data, including account status and dates. The XXXX XXXX  lacks a status update ( e.g., dismissed or closed ), and the XXXX XXXX  contains inconsistent reference numbers, violating XXXX XXXX standards. 
XXXX. Violations by XXXX as a Reseller Under FCRA 1681e ( f ), XXXX, as a reseller, must ensure the accuracy of data it provides to CRAs. By reporting XXXX  records falsely attributed to the court, XXXX violated its obligations. Additionally, XXXX reinvestigation ( completed XX/XX/XXXX ) failed to notify CRAs to remove XXXX # XXXX from their reports, violating FCRA XXXX ( c ). XXXX XXXX XXXX must also follow the FCRA they told me they would remove it and no longer report to XXXX  but has not. 
Requested Actions Pursuant to FCRA 1681i and 1681s-2 ( b ), I demand the following : 1. Immediate Removal : Delete both XXXX  records ( Case # XXXX and # XXXX ) from all consumer reports maintained by XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX XXXX. 
2. Reinvestigation : Conduct a thorough reinvestigation, including verification with the XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX which has confirmed it does not furnish data to CRAs. 
3. Notification : Notify all recipients of my consumer report within the last two years that these records have been removed, per FCRA 1681i ( d ).

4. Cease Unauthorized Reporting : Stop reporting any bankruptcy information without my explicit consent or a permissible purpose under FCRA 1681b.

5. Provide Documentation : Furnish a copy of the updated consumer report and reinvestigation results within 30 days, as required by FCRA 1681i ( a ) ( 6 ). Legal Consequences for Non-Compliance Failure to comply wit
h FCRA requirements may result in liability for actual damages, statutory damages up to {$1000.00} per violation, punitive damages, and attorneys fees under FCRA 1681n and 1681o. I reserve the right to pursue legal action if these inaccuracies are not corrected promptly. 
Supporting Documentation * Letter from XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, dated XX/XX/XXXX, confirming the court does not report to XXXX. 
* XXXX response dated XX/XX/XXXX, acknowledging removal of XXXX # XXXX. 
* Credit reports from Equifax, XXXX XXXX XXXX  showing disputed bankruptcy records. 
Please process this dispute via the E-OSCAR system and OCRA format, ensuring compliance with FCRA timelines ( 30 days for reinvestigation, per 1681i ( a ) ( 1 ) ). Direct all correspondence to the address above or via email ( if applicable ). 
Thank you for your immediate attention to this matter. 
Sincerely,

Company response to consumer: Closed with explanation