Consumer complaint received 2025-11-10 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:
My name is XXXX XXXX, and I am submitting this complaint because Equifax, Experian, and TransUnion are continuing to report a bankruptcy public record that has been proven unverifiable and deleted by their own data source, XXXX XXXX XXXX. This is a serious and ongoing violation of the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and Metro 2 compliance standards for public record reporting. 

On XX/XX/XXXX, XXXX issued a written statement confirming that Bankruptcy Case # XXXX was removed from their database after reinvestigation determined it was invalid and unverifiable. The letter also states that XXXX, acting as the public records vendor for the credit bureaus, initiated a full dispute on my behalf and confirmed there were no verifiable court records supporting the bankruptcy entry. Despite this, the XXXX major credit bureaus continue to report the same bankruptcy as an active public record on my credit file. 

This case allegedly lists a XXXX  XXXX Bankruptcy supposedly filed on XX/XX/XXXX in the U.S. Bankruptcy Court for the Northern District of XXXX, under reference number XXXX, but no such case exists in the federal bankruptcy docket. The record has been dismissed, carries no assets or liabilities, and no discharge was ever issued. Its continued appearance constitutes false publication of a non-existent public record. 

Each bureau has been repeatedly notified that this record was deleted by XXXX the same vendor from which they originally sourced the information. Under FCRA 611 ( a ) ( 5 ) ( A ) ( i ), any information that can not be verified must be immediately deleted from a consumers file. Continuing to report data that has been deleted by the source vendor is a knowing and willful violation of federal law. 

Violations of Federal Law The credit bureaus actions violate multiple provisions of the FCRA and related federal statutes, including : FCRA 1681e ( b ) : Failure to maintain reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) : Failure to conduct a lawful reinvestigation of disputed information.

FCRA 611 ( a ) ( 5 ) ( A ) ( i ) : Failure to delete unverifiable information after dispute resolution.

FCRA 1681i ( a ) ( 7 ) : Failure to provide a detailed method of verification.

FCRA 1681n and 1681o : Willful and negligent noncompliance with consumer protection laws.

TILA 1666 ( b ) : Billing Error Resolutionprohibiting creditors or data furnishers from reporting disputed items as valid while under investigation. 

Additionally, under Metro 2 data standards XXXX, furnishers and repositories must confirm full source verification before reporting or maintaining public record data. The bureaus refusal to remove the deleted bankruptcy violates this standard. 

Evidence of Systemic Noncompliance All three bureaus Equifax, Experian, and TransUnion are reporting the same false XXXX  XXXX bankruptcy, but their versions of the record even contradict XXXX another : Equifax reports the bankruptcy as filed XX/XX/XXXX, but provides no closing or dismissal date. 

Experian lists it as filed XX/XX/XXXX and released XX/XX/XXXX, yet still labels it open. 

TransUnion also lists the same record as open, even though XXXX deleted the case entirely. 

These inconsistencies confirm that the bureaus are not following the FCRAs maximum possible accuracy standard. None of the bureaus have produced certified verification or court documentation proving the case exists. 

Personal Impact The continued publication of this false bankruptcy has caused severe harm to my credit profile, including : Denial of credit, housing, and financial opportunities. 

Increased interest rates on existing credit accounts. 

Emotional distress and reputational harm. 

I have attached evidence including : The official XXXX deletion letter ( XX/XX/XXXX ) confirming the bankruptcy was removed from their system as unverifiable. 

Copies of my prior formal dispute notices sent to all three bureaus on XX/XX/XXXX. 

Identification documents verifying my identity and address.

Company response to consumer: Closed with explanation