Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX [ Date : XX/XX/XXXX ] XXXX Legal & Professional XXXX XXXX XXXX. 
XXXX, OH XXXX Subject : Notice of Intent to Sue for FCRA Violations Due to XXXX XXXX XXXX Dear XXXX Legal & Professional, I am writing to formally notify you of your companys violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and XXXX XXXX compliance standards, stemming from the inaccurate and inconsistent reporting of a Chapter 13 Bankruptcy on my credit reports. These violations have caused me significant harm, including financial loss, emotional distress, and damage to my creditworthiness. Unless these inaccuracies are corrected immediately, I intend to pursue legal action to seek actual damages, statutory damages, punitive damages, attorney fees, and court costs, as permitted under the FCRA. 

Specifically, a review of my credit reports reveals the following inaccuracies in your reporting of a Chapter XXXX Bankruptcy filed on or about XX/XX/XXXX : Inconsistent Reference Numbers : The bankruptcy is reported with different reference numbers across the XXXX major credit bureausTransUnion ( XXXX ), Experian ( XXXX ), and Equifax ( XXXX ) XXXX This inconsistency violates FCRAs requirement for accurate and uniform reporting under 15 U.S.C. 1681e ( b ).

Missing Closing Date for Equifax : The Equifax report omits the closing date for the bankruptcy, while TransUnion and Experian list XX/XX/XXXX. This omission creates an incomplete and misleading record, further violating FCRA standards for accuracy and completeness. 



Discrepancies in Court Reporting : The court information varies across bureaus, with TransUnion citing U.S. Bankruptcy Court, Experian citing XXXX XXXX XXXX XXXX XXXX, and Equifax citing Federal. This lack of standardization suggests negligent reporting practices. 

These inaccuracies have caused me actual damages, including but not limited to denied credit opportunities, increased borrowing costs, and severe emotional distress due to the ongoing misrepresentation of my financial history. Your failure to maintain reasonable procedures to ensure maximum possible accuracy, as required by 15 U.S.C. 1681e ( b ), and to investigate and correct these errors upon notice, constitutes willful and negligent violations of the FCRA. 

Under the FCRA, I am entitled to : Actual Damages : Compensation for the financial and emotional harm caused by your inaccurate reporting, with no limit on the award amount. 



Statutory Damages : Up to {$1000.00} per violation, as provided by 15 U.S.C. 1681n, without requiring proof of harm. 



Punitive Damages : An unlimited amount to punish XXXX for its reckless disregard of FCRA obligations and to deter future violations, as per 15 U.S.C. 1681n.

Attorney Fees and Court Costs : Full coverage of litigation expenses, as authorized by 15 U.S.C. 1681o and 1681n.

Demand for Action : I demand that XXXX immediately : Correct the inaccurate bankruptcy information across all credit bureau reports to ensure consistency in reference numbers, closing dates, and court details. 



Provide written confirmation of these corrections to me and the affected credit bureaus ( TransUnion, Experian, and Equifax ). 



Cease reporting any inaccurate or incomplete information related to this bankruptcy. 

You have 30 days from receipt of this letter to comply with these demands. Failure to do so will leave me no choice but to file a lawsuit against XXXX in federal court for FCRA violations. Be advised that I am prepared to retain legal counsel to pursue all available remedies, including substantial damages and full litigation costs. Your willful non-compliance will only strengthen my case for punitive damages. 

Please direct all correspondence to the address listed above. I strongly urge you to take this matter seriously and act promptly to avoid costly litigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation