Consumer complaint received 2025-11-03 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : FIFTH COMPLAINT Continued and Willful FCRA Violations by Equifax ( Bankruptcy Misreporting ) Prior CFPB Complaint References : # XXXX | # XXXX | # XXXX | # XXXX Summary of the Issue : I am filing this complaint as a mature man who has done some studying and affected consumer due to Equifaxs willful continuation of false bankruptcy reporting and their repeated refusal to properly investigate or validate this information. 

Equifaxs latest response, received via the CFPB portal, repeats the same form language as prior replies- claiming that Equifax verified that this public record item is reporting correctly and belongs to you. This statement is false, misleading, and legally insufficient under the Fair Credit Reporting Act ( FCRA ). 

Equifax continues to rely on third-party public record vendors rather than the actual XXXX Bankruptcy XXXX XXXX despite certified documentation from the XXXX Bankruptcy XXXX in XXXX, XXXX  confirming that it does not furnish or verify any bankruptcy data to Equifax or its vendors. 

This demonstrates a willful and reckless disregard for both the FCRA and the legal evidence provided. 

FCRA Violations and Legal References : 15 U.S.C. 1681i ( a ) Equifax failed to conduct a reasonable reinvestigation by refusing to verify directly with the original source, the XXXX Bankruptcy XXXX. 

15 U.S.C. 1681e ( b ) Equifax failed to ensure maximum possible accuracy by continuing to publish unverifiable and false data.

15 U.S.C. 1681n Willful noncompliance ; Equifax has repeatedly been placed on notice and ignored factual documentation. 

15 U.S.C. 1681o Negligent noncompliance ; Equifaxs inaction has caused financial, reputational, and emotional harm.

11 U.S.C. 524 ( a ) ( 2 ) Reporting a closed or inaccurate bankruptcy violates discharge protections under the XXXX Bankruptcy XXXX. 

Proof and Documentation Provided : Certified written statement from the XXXX Bankruptcy XXXX, XXXX, XXXX confirming that no data is furnished to Equifax or any vendor. 

Prior CFPB complaints and Equifaxs repetitive verified responses, showing a pattern of willful disregard. 

Evidence of financial harm, loan denials, and emotional distress. 

Pattern of Bad Faith : Equifaxs repeated template responses, failure to provide documentation of their so-called verification, and reliance on unregulated data brokers instead of the actual court proves systemic noncompliance and reckless investigation procedures. 

The companys statements confirm they seek the most recent filing associated with the disputed information rather than validating the existence, accuracy, or ownership of the record -- a direct violation of the FCRAs requirement for reasonable investigation. 

This means Equifax is not verifying accuracy- it is recycling unverified data and presenting it as verified fact, knowing it is unsupported by any court record or legal evidence. 

Relief Requested : I am requesting the following : Immediate deletion of the inaccurate bankruptcy record from all Equifax credit reports and data systems.

A full regulatory investigation into Equifaxs use of third-party vendors for public record reporting and their compliance failures under the FCRA.

Monetary relief and statutory damages for willful and negligent noncompliance under 15 U.S.C. 1681n & 1681o, including emotional distress and financial injury. 

Written disclosure of the vendor name, data source, and method of verification used in Equifaxs investigation.

A CFPB order requiring Equifax to overhaul its public record verification procedures to comply with the law.

Final Statement : Equifaxs continued use of boilerplate responses and refusal to validate data from the original source after multiple certified disputes is a clear willful violation of the FCRA. Their method of verification does not meet legal standards, and their actions have caused ongoing damage to my financial standing.

I am requesting the CFPB escalate this matter to enforcement, issue fines or sanctions against Equifax, and ensure financial restitution for the harm caused by their repeated noncompliance. 

Respectfully, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation