Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
PREVIOUS CLOSED COMLAINT XXXX EQUIFAX USNG STALLING TACTIC TO AVOID UPDATING MY CREDIT REPORT. 

I am following up regarding my formal dispute concerning inaccurate bankruptcy reporting on my XXXX credit file. Your recent response claiming that you " could not locate a file '' is unacceptable, inaccurate, and an obvious stall tactic intended to avoid your legal responsibilities under the Fair Credit Reporting Act ( FCRA ). 

I have an active credit file with XXXX containing open tradelines, and prior communications from your organization confirm this fact. Therefore, your continued claim that you can not locate my record is disingenuous and a violation of FCRA 1681i ( a ) ( 3 ) ( A ), which prohibits credit bureaus from refusing to investigate disputes without a legitimate reason.

Furthermore, I have confirmed directly with the United States Bankruptcy Court for the XXXX XXXX XXXX XXXX, XXXX Division that the court does not verify bankruptcy records with any credit reporting agency. Bankruptcy courts do not furnish information to XXXX, nor do they confirm or deny data reported by third-party entities. Therefore, any so-called verification by XXXX is invalid unless directly sourced from the court which is impossible per the court 's official statement. 

Equifax and XXXX have both deleted the bankruptcy records from my credit reports after reviewing the same evidence. This proves the record is unverifiable, and XXXX is now the only bureau failing to comply with the FCRA by continuing to dodge proper investigation and removal. 

Applicable Violations and Legal Standards : 1. FCRA 1681e ( b ) Maximum Possible Accuracy : Continuing to report dismissed or unverifiable bankruptcies violates your duty to maintain maximum possible accuracy. Reporting unverifiable public records misrepresents my creditworthiness.

2. FCRA 1681i ( a ) ( 5 ) Failure to Properly Investigate Disputes : Your failure to verify with the source the court is a clear breach of the FCRA. Your refusal to delete this unverifiable item demonstrates failure to perform a reasonable investigation. 

XXXX. XXXX ( XXXX XXXX ) Reporting Standards : As a member of the XXXX XXXX XXXX XXXX, XXXX is obligated to report only accurate and verifiable public records. You are in violation of these standards. 

4. FCRA 1681n & 1681o Willful and Negligent Non-Compliance : Continued refusal to correct or delete unverifiable information exposes XXXX to statutory and punitive damages for willful or negligent non-compliance. 

5. FCRA 1681i ( a ) ( 3 ) ( A ) Refusal to Reinvestigate Without Reason : Your repeated claim that you " can not locate a record '' is a stall tactic and violates this provision. It is unlawful to refuse investigation unless there is a clear, factual basis which you do not have. 



FINAL DEMAND : I hereby demand that XXXX : Immediately delete the inaccurate and unverifiable bankruptcy record from my credit file Cease all further claims that you can not locate my file this is false, misleading, and unlawful Provide written confirmation of permanent deletion within 15 days Failure to comply will result in an immediate complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential civil action seeking damages under the FCRA. 

Respectfully,

Company response to consumer: Closed with explanation