Consumer complaint received 2025-11-07 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 XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  To : * * Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : * * Dispute of XXXX Account XXXX Included in XXXX Bankruptcy Dear CFPB Representative, I am filing a formal complaint regarding inaccurate and incomplete reporting of my XXXXXXXX  account XXXX XXXX XXXX reports from Equifax, Experian, and TransUnion. The account was included in my * * XXXX  XXXX bankruptcy discharge * *, but it continues to be reported inconsistently and inaccurately. 

* * Account Reporting Summary : * * | XXXX | Account Type | Status / Detail | Payment Status | High Balance / Limit | Date Opened | Date Closed | Comments | Added in XXXX | | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | * * Equifax * * | Unknown | Negative | Unknown | {$0.00} / {$0.00} | XX/XX/XXXX | | Bankruptcy XXXX  XXXX Included in bankruptcy | XX/XX/XXXX | | * * Experian * * | Revolving | Charge Off | Collection / Charge Off | {$960.00} / {$600.00} | XX/XX/XXXX | XX/XX/XXXX | Unpaid balance reported as a loss by XXXX XXXX. XXXX included in or XXXX through Bankruptcy XXXX XXXX, XXXX, or XXXX. | XX/XX/XXXX | | * * TransUnion * * | Revolving | Charge Off | Unknown | {$960.00} / {$600.00} | XX/XX/XXXX | | XXXX  XXXX bankruptcy | XX/XX/XXXX | * * Discrepancies and Legal Basis for Dispute * * XXXX. * * Inconsistent Account Data Across Bureaus * * * Account type, high balance, limit, status, and payment status vary across Equifax, Experian, and TransUnion. 
* FCRA 607 ( b ) requires * * accuracy and consistency * * across all reporting. 

XXXX. * * Debt Included in XXXX Bankruptcy * * * Experian reports {$960.00} balance with Collection / Charge Off, even though this account was * * XXXX in bankruptcy * *. 
* Equifax and TransUnion list unknown or incomplete payment status. 
* Post-bankruptcy, accounts must show * * {$0.00} balance * * and * * XXXX in bankruptcy * *. 
* Reporting a balance or collection status after discharge violates * * FCRA 607 ( b ) * * and * * FDCPA 807 ( 8 ) * *. 

XXXX. * * Incomplete or Unverifiable Information * * * Equifax and TransUnion list Payment Status as Unknown ; Equifax does not provide a date closed. 
* Reinserted accounts ( Added in XXXX XX/XX/XXXX ) must be verified by the furnisher under * * FCRA 611 ( a ) ( 5 ) ( B ) * *. 

* * Requested Action * * I request that the CFPB ensure the following : XXXX. The account is * * verified directly with XXXX XXXX XXXX. 
XXXX. All fields ( account type, status, payment status, high balance, limit, dates ) are * * corrected to accurately reflect the bankruptcy XXXX  * *. 
XXXX. If verification can not be completed, the account should be * * deleted from all credit reports * *, as required under * * FCRA 611 ( a ) ( 1 ) ( A ) * *. 


Sincerely, * * XXXX XXXX * *

Company response to consumer: Closed with explanation