Consumer complaint received 2025-09-19 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : EXPERIAN, TRANSUNION, & EQUIFAX Subject : Dispute of Account Bankruptcy Case No. XXXX Dear XXXX XXXX XXXX Bankruptcy Department , I am disputing the reporting and collection of the account ( s ) you hold in my name. These debts were included in my XXXX  XXXX Bankruptcy filing under Case No. XXXX, XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX Virginia . 

Debtor Information Name : XXXX XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX Bankruptcy Case : XXXX Accounts/Entities Listed in Bankruptcy Notice Primary Debtor : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX / XXXX XXXX/ Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX IA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX Virginia ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy, XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX Bankruptcy XXXX, XXXX XXXX XXXX, XXXX, PA XXXXXXXX XXXX XXXX XXXX ( XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX, XXXX, FL XXXX XXXX Department of Justice XXXX. Attorneys Office XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Department of Education Claims Filing Unit XXXX XXXX XXXX, XXXX, WI XXXX XXXX Department of Education XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX, XXXX. / XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX. / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CA XXXX XXXX shown in the Certificate of Notice dated XX/XX/XXXX, your company was listed as a creditor and provided with notice of my bankruptcy. Therefore, the accounts you are attempting to collect or continue to report must be : Immediately updated to reflect inclusion in bankruptcy. 

Ceased from all collection activity, as required by 11 U.S.C. 362 ( Automatic Stay ).

Corrected on credit reporting, ensuring no negative or delinquent reporting remains in violation of the Fair Credit Reporting Act and Bankruptcy Code.

Failure to comply may result in sanctions or legal remedies for violations of the bankruptcy stay and discharge injunction.

Please provide written confirmation within 30 days that : Your records have been updated, No further collection activity will occur, and The account ( s ) are properly reflected as included in bankruptcy.

Thank you for your prompt attention to this matter. 

Sincerely, /s/ XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief