Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Email : XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : FINAL DEMAND FOR REMOVAL OF BANKRUPTCY PUBLIC RECORD AND ASSOCIATED ACCOUNTS VIOLATION OF FCRA, XXXX, BANKRUPTCY XXXX, AND FEDERAL LAW To Whom It May Concern, This letter serves as a formal legal dispute regarding a bankruptcy public record and related accounts currently being reported on my Equifax credit file under the name XXXX XXXX XXXX. These accounts are being reported without verified documentation, and this constitutes multiple violations of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Uniform Commercial Code ( UCC ), the Bankruptcy XXXX, and Federal Rules of Evidence. 

BANKRUPTCY PUBLIC RECORD : XXXX Bankruptcy XXXX Case # : XXXX Federal Bankruptcy Ref # : XXXX ACCOUNTS XXXX REPORTED AS INCLUDED IN BANKRUPTCY DEMAND FOR DELETION : Creditor Account Number Status Balance ACHIEVE PERSONAL LOANS XXXX Included in Bankruptcy {$0.00} XXXX  XXXX XXXX Included in Bankruptcy {$0.00} WFC XXXX Included in Bankruptcy {$0.00} VIOLATIONS BEING COMMITTED : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681b ( a ) ( 2 ) No documented permissible purpose for furnishing this information FCRA 609 ( a ) ( 1 ) I demand copies of all documentation used to verify both the bankruptcy and associated tradelines FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) You must disclose the name, contact information, and method of verification for each item UCC XXXX & XXXX I demand presentment of the original XXXX obligations and reserve all rights without prejudice Federal Rule of Evidence XXXX Third-party data from PACER, XXXX, or otherwise must be authenticated Bankruptcy Code XXXX ( a ) ( XXXX ) XXXX reporting of XXXX debt violates the permanent injunction of federal bankruptcy law I DO NOT CONSENT TO e-OSCAR AUTOMATION This matter is to be reviewed by a qualified human XXXX, not through the e-Oscar system. Responses generated through automation or that simply state verified are not legally sufficient. Under FCRA 611, a generic verification letter without documentation does not satisfy the legal burden of proof. 

DOCUMENTATION DEMANDED : I require the following be sent to me within XXXX calendar days of receipt of this letter : The actual bankruptcy court filing documents ( Schedules, creditor matrix, or discharge order ) Original signed contracts, billing statements, or legal obligations for all reported accounts The full Method of Verification, including : Name, job title, and contact number of the individual who conducted verification Date, source, and method used for investigation If you can not provide these items, you are legally obligated to delete both the bankruptcy record and all associated accounts from my credit file. 

DEADLINE : XXXX CALENDAR DAYS You have XXXX calendar days from the date this notice is received to : Permanently delete Bankruptcy Case # XXXX and Ref # : XXXX Delete XXXX associated accounts listed above Send written confirmation along with full verification documentation FAILURE TO COMPLY : If you fail to comply, I will immediately take the following actions : File complaints with the CFPB, FTC, and Illinois Attorney Generals Office Initiate XXXX arbitration XXXX JAMS Pursue XXXX civil lawsuit for : Willful and negligent noncompliance under FCRA 616 & 617 XXXX, emotional XXXX, and XXXX harm Statutory and punitive damages This is your final legal notice. I expect full legal compliance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation