Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I disputed this issue two times with Equifaxs internal dispute process. During these disputes the correct discharges in bankruptcy status was included on these accounts, but Equifax continued to report missed payments post bankruptcy and did not display the balance owed as {$0.00} as required by law. So after my second dispute attempt, Equifax decided to remove my bankruptcy completely from my credit report. On XX/XX/XXXX I submitted a dispute through the CFPB, this dispute included my proof of discharge letter from the XXXX  Bankruptcy court, as well as the accounts I was disputing. Equifax refused to update any accounts or acknowledge my bankruptcy on my credit report. 

On XX/XX/XXXX I disputed again through the CFPB these issues. I included details of the discharged accounts, that I already sent proof of discharge regarding proof sent on XX/XX/XXXX. Equifax updated these accounts with ADDITIONAL missed payments post bankruptcy further damaging my credit and again, refused to update these accounts as required by the FRCA. 

Equifax is violating my rights and knowingly doing so with access and verifiable access provided through the cfpb itself that is has in fact received proof of discharge. Equifax is continuing to update these accounts with derogatory updates that are forbidden by law such as missed payments. I have personally reached out to chase, and am awaiting to hear back from XXXX, in which XXXX adamantly refuses that they are NOT providing these derogatory updates to Equifax, that they have not sent any missed payments post bankruptcy to Equifax since before I was even discharged and that they acknowledge my bankruptcy in their most recent report to all the credit bureaus. 

On XX/XX/XXXX I mailed Equifax a method of verification request. In which I will provide proof of and proof of quality here in the attached files. This method of verification was to verify the methods used to verify these two accounts. From XXXX & XXXX XXXX - XXXX XXXX  in addition to multiple credit inquiries that I did not consent to. Today on XX/XX/XXXX I received a mailed reply from Equifax requesting I send legible documents such as : proof of social. Proof of address and proof of residency. They included examples of this. Such as social security card for social. And State Drivers license for address verification. Both of these documents were sent with my complaint on XX/XX/XXXX as well as a utility bill to ensure that these conditions were fully met. I had scanned these printed documents before sending to Equifax. Included in the attachments are the photos of the exact documents that were sent to Equifax. Equifax purposely requested information that I already provided to delay the providing proof of their method in which this information was verified. Another violation. Maybe they didnt think I would have proof of the documentation I had sent, as well as proof of the quality in which these documents were sent, but I in fact do. I used a third party service to mail these letters and this company provides photocopies of the documents sent in every single letter they mail out for all their customers. So not only can I prove that they received the things they demanded in this reply by mail, I have proof from a third party who is unbiased and took these photos as theyre required to do for every piece of mail they send. Goodluck explaining the delaying of verification required by law by asking for documents sent that clearly met the guidelines provided by Equifax themselves. 

Equifax is knowingly reporting harmful and inaccurate information to my credit report after receiving proof of the discharge verifiable through the cfpb report made on XX/XX/XXXX. And has continued to do so even after I disputed through the CFPB again on XX/XX/XXXX. 

I would like to notify Equifax that I have attorneys who are now getting involved with this issue. These attorneys specialize in FRCA violations and would be acting on my behalf and are currently reviewing my documentation I have regarding these issues. Including XXXX  adamant denial of providing Equifax with this inaccurate and illegal reportings. 

If Equifax does not correct this information before the two law firms, of which I will choose the firm I believe is best fit for these violations, are ready to begin and initiate legal processes, I am fully committed to holding them accountable before a judge. Both law firms have promised that they will be taking the case under the conditions that I will only pay, if I win. Costing me essentially nothing. So moving forward is a matter of choice and not means. 


Equifax has had more than adequate amount of time and has received the required documentation needed to correct these issues as required by law but is choosing not to. 


Equifax has an unknown time limit, but this is the final warning and request for correction before initiating legal processes. I will be moving forward if not corrected as soon as I obtain offers and terms of agreements from both firms and choose the firm I see fit. Both firms have now received all documentation and are in the process of reviewing them fully to determine what they believe I can win and if they would like to take the case. I am confident both firms will want to take the case, due to the obvious violations Equifax has and is continuing to commit. Once I choose a firm, and the firm decides who will be representing me from their firm and states they are ready to initiate legal processes, at that time I will be moving full force ahead if this issue has not been corrected. Whenever that may be.

I also would like to note that Equifax is the only credit bureau who is reporting these inaccuracies. No other bureau has reported this inaccurate and harmful information.

Equifax has not even received information from at least one of the two companies required to continue to update with these late payments and account statuses. Verified by the company itself in writing. This will not be sent in this report because I believe it is the most crucial piece of evidence I have and the lawyer representing me will be in charge of how and when we disclose that evidence. I do not want to risk the weight it holds being that I am not a lawyer. I will keep that documentation to myself until then. And I have a will persistently reach out to XXXX until they give a statement regarding their reporting. Whether it be continuous illegal and derogatory reportings being sent by them or artificially verified by Equifax. 

This is my final dispute and time is limited. Otherwise we will settle this before a judge. Update these accounts as required by law. Reply to my method of verification request using the documents that were included that in fact did meet your stated requirements, as required by law, or explain this to a judge.

Company response to consumer: Closed with non-monetary relief