Consumer complaint received 2025-11-23 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: VA

Complaint narrative:
INTENT TO SUE FOR {$10000.00} BANKRUPTCY PUBLIC RECORD DISPUTE ( FCRA 607 ( b ), 611, 609 | 15 U.S.C. 1681i ) From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Date : XX/XX/XXXX TO USE FOR EQUIFAX : Equifax XXXX Services XXXX XXXX. XXXX XXXX XXXX, GA XXXX TO USE FOR TRANSUNION : TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : FORMAL DISPUTE OF BANKRUPTCY RECORD DEMAND FOR REMOVAL & INTENT TO SUE FOR {$10000.00} Public Record Type : Bankruptcy Chapter XXXX XXXX Court Address : XXXX XXXX XXXX XXXX, XXXX, VA XXXX Filing Date : XX/XX/XXXX To Whom It May Concern : I am writing to file a formal dispute and intent to sue for {$10000.00} concerning the inaccurate, unverifiable, and illegally furnished bankruptcy record currently appearing in my credit file. 

This dispute is submitted in accordance with the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 607 ( b ) Duty to maintain maximum possible accuracy FCRA 609 Right to full disclosure of sources FCRA 611 Right to reinvestigation and deletion FCRA 616617 Civil liability for willful or negligent noncompliance Your agency is reporting a bankruptcy that can not be verified with the original source and is therefore inaccurate and unlawful to include in my credit file. 
REASONS FOR DISPUTE THIS BANKRUPTCY MUST BE REMOVED IMMEDIATELY XXXX. The Bankruptcy Court DOES NOT report consumer information to any credit bureau The U.S. Bankruptcy Court has confirmed repeatedly that it does not report to Equifax, TransUnion, XXXX, XXXX, or any third-party vendor. 

Therefore, you have no direct or authorized source, violating : FCRA 607 ( b ) Maximum accuracy requirement FCRA 611 ( a ) Requirement for direct verification XXXX. Third-party vendors and scraped data are NOT considered verified sources Public records are typically gathered through : Third-party data vendors Web scraping Bulk database pulls These are not original, authorized sources of bankruptcy information and therefore can not meet verification standards under FCRA 607 ( b ). 

XXXX. No legally verified chain of custody exists You can not produce : A certified court record Signed filing documents Direct court verification Documentation with my signature If these documents can not be produced, the public record is legally unverifiable, mandating immediate deletion under FCRA 611 ( a ) ( 5 ). 

XXXX. Unverified reporting constitutes defamation and negligent furnishing Continuing to publish an unverified bankruptcy constitutes : Defamation of character Knowingly furnishing inaccurate information under FCRA 623 Violations of FCRA 607 ( b ) and 611 This exposes you to civil liability.

DEMANDS PURSUANT TO FEDERAL LAW You are required to do ALL of the following : XXXX. Conduct a full reinvestigation within 30 days under FCRA 611. 
XXXX. Provide written proof of method of verification, including : The name of the court official contacted The telephone number and address of the verifying party Certified documents used to verify the bankruptcy XXXX. If you can not directly verify the bankruptcy with the court, you MUST delete it immediately. 
XXXX. Send me an updated credit report reflecting the deletion. 
INTENT TO SUE FOR {$10000.00} If you fail to : Delete the unverified bankruptcy Provide full verification Meet the required reinvestigation timeline Or continue reporting inaccurate information I will proceed with legal action seeking {$10000.00} in : Statutory damages under FCRA 616 Actual damages under FCRA 617 Punitive damages Attorneys fees Court costs I will also file complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL COMMUNICATIONS MUST BE IN WRITING I require written responses only, mailed to the address above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation