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 XXXXXXXX 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 FCRA, UCC, BANKRUPTCY CODE, AND FEDERAL VIOLATIONS FULL METHOD OF VERIFICATION REQUIRED To Whom It May Concern, This letter serves as a formal legal dispute and demand for the immediate removal of the bankruptcy public record and all associated accounts currently reported on my Equifax credit file. These items are being reported without proper legal verification and are in direct violation of the Fair Credit Reporting Act ( FCRA ), Uniform Commercial Code ( UCC ), Federal Rules of Evidence, and the Bankruptcy Code.

BANKRUPTCY PUBLIC RECORD : U.S. Bankruptcy Court Case # : XXXX ACCOUNTS BEING REPORTED AS INCLUDED IN BANKRUPTCY DEMAND FOR DELETION : Creditor Account Number Status Balance XXXX  XXXX Collection {$0.00} XXXX  XXXX Included in Bankruptcy {$0.00} XXXX  XXXX Included in Bankruptcy {$0.00} XXXX  XXXX XXXX Included in Bankruptcy {$0.00} XXXX XXXXXXXX Included in Bankruptcy {$0.00} XXXX XXXX XXXXXXXX Included in Bankruptcy {$0.00XXXX XXXX XXXX XXXX XXXX Included in Bankruptcy {$0.00} XXXX XXXX XXXX  Included in Bankruptcy {$0.00} XXXX XXXXXXXX Included in Bankruptcy {$0.00} VIOLATIONS YOU ARE COMMITTING : FCRA 1681e ( b ) Duty to maintain the maximum possible accuracy FCRA 1681b ( a ) ( 2 ) No documented permissible purpose to report these items FCRA 609 ( a ) ( 1 ) I demand access to all documentation used to verify the bankruptcy and the associated accounts FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) You must disclose : The name, title, and contact info of the person who verified each account The method, source, and date of verification UCC 3-501 & 1-308 I demand presentment of the original legal obligation and reserve all rights without prejudice Federal Rule of Evidence 901 Data from PACER, XXXX, or third parties must be authenticated by a qualified witness Bankruptcy Code 524 ( a ) ( 2 ) Continuing to report discharged debt violates the permanent injunction of the Bankruptcy Code NO e-OSCAR AUTOMATION HUMAN REVIEW REQUIRED This matter must be investigated by a qualified human representative, not the e-Oscar system. Any response generated by an automated tool is insufficient under FCRA. A generic letter claiming an item is " verified '' without supporting documentation is not legal validation.

DOCUMENTS DEMANDED : I demand that you send the following within 15 calendar days : The actual bankruptcy court filing used to verify the public record Original signed agreements, billing statements, and legal documentation used to verify each account The full Method of Verification, including : Name, title, and phone number of the individual who verified each account Method, source, and date of the investigation Failure to provide all requested documentation will require immediate deletion of the public record and each related account.

DEADLINE : 15 CALENDAR DAYS You are legally required to respond within 15 days from receipt of this notice with : Written confirmation that Bankruptcy Case # XXXX and associated tradelines have been deleted Certified copies of all verification materials, as required under FCRA FAILURE TO COMPLY : Failure to respond or provide lawful proof will result in : Formal complaints filed with the CFPB, FTC, and Illinois Attorney General Immediate filing for binding arbitration through JAMS A civil lawsuit seeking : Damages for willful and negligent noncompliance ( FCRA 616 & 617 ) Compensation for emotional distress, credit defamation, and financial harm Statutory and punitive damages under applicable federal law This is your final legal notice. I expect full compliance. 

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

Company response to consumer: Closed with non-monetary relief