Consumer complaint received 2025-08-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Bankruptcy Information Reported by Equifax Dear CFPB Representative, I am writing to formally dispute inaccurate and unverifiable bankruptcy information currently being reported by Equifax on my credit report. This entry is causing undue harm to my creditworthiness and contains multiple errors that I respectfully request be investigated and corrected. 
Upon review, I believe this information is inaccurate for the following reasons : 1. The bankruptcy disposition is listed as XXXX FILED, but there is no record of a confirmed or completed XXXX  XXXX bankruptcy under my name. 
2. The date reported and verified ( XX/XX/XXXX ) is inconsistent with the actual filing date ( XX/XX/XXXX ), and no updated disposition has been provided. 
3. The listing lacks clarity on exempt amounts, asset amounts, and disposition status, which creates confusion and misrepresents my financial history. 
Issues with the Reported Information : Below are the disputed details as reported : Date Filed : XX/XX/XXXX Bankruptcy Disposition : XXXX FILED Liabilities : Joint Current Disposition Date : [ Not specified ] Exempt Amount : [ Not specified ] Comments : [ Not specified ] Case Number : XXXX Date Reported : XX/XX/XXXX Court Number/Name : XXXX / XXXX  Bankruptcy Court XXXX XXXX XXXX XXXX XXXX Individual Asset Amount : [ Not specified ] Date Verified : XX/XX/XXXX Prior Disposition : Unknown Agency Contact Information : XXXX Bankruptcy XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX 1. Incorrect Court Address : The address listed for the XXXX Bankruptcy XXXX in XXXX, XXXX XXXX inaccurate and does not correspond to any verified federal court location. 
2. Unverifiable Bankruptcy : XXXX  has already deemed this bankruptcy as unverifiable and removed it from my credit file. This raises serious concerns about the validity of the data Equifax continues to report. 
3. Missing or Incomplete Disposition Details : The entry lacks a current disposition date, exempt amount, and asset amount, making it incomplete and misleading.

4. No Supporting Documentation : I have not received any documentation from Equifax substantiating this bankruptcy claim despite multiple requests. 
Requested Action : I respectfully request that the CFPB investigate this matter and instruct Equifax to : Remove or correct the inaccurate bankruptcy entry. 
Verify the legitimacy of the court information and case details. 
Align their reporting with XXXX findings, which have already deemed the bankruptcy unverifiable. 
I am enclosing a copy of my credit report highlighting the disputed entry, along with XXXX correspondence confirming removal due to unverifiability. 
Thank you for your attention to this matter. I trust the CFPB will take appropriate action to ensure the accuracy and fairness of consumer credit reporting. 
Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation