Consumer complaint received 2025-07-22 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: OH

Complaint narrative:
To : Equifax Information Services LLC XXXX. Box XXXX XXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, XXXX XXXX Experian XXXX. XXXX XXXX XXXX, TX. XXXX From : XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH. XXXX Date : XX/XX/XXXX Subject : Formal Dispute XXXX  XXXX Bankruptcy  Reference No. XXXX Dear Equifax, TransUnion and Experian XXXX Department 's, I am formally disputing the XXXX  XXXX bankruptcy ( Reference No. XXXX ) currently being reported on my Equifax, TransUnion and Experian credit file 's. This information is inaccurate, unverifiable, and not in compliance with federal consumer protection laws, and I am demanding its immediate and permanent deletion. 
First and foremost, it is important to note that bankruptcy courts do not furnish information directly to consumer reporting agencies. Any reporting of a bankruptcy on my credit file must therefore be verified by Equifax through a third-party source such as PACER, which is not a legally acceptable or FCRA-compliant data XXXX under federal law. 
Furthermore, under 15 U.S.C. 1681e ( b ), Equifax, TransUnion and experian have a duty to follow reasonable procedures to ensure maximum possible accuracy. Reporting unverifiable or secondhand public record data fails to meet this standard. You are also required under 15 U.S.C. 1681b to ensure that any information furnished about a consumer is done only for legally permissible purposes. The continued reporting of this bankruptcy without direct verification from the original source ( i.e., the court ) constitutes a willful violation of this provision.

Additionally, under 15 U.S.C. 1681c-2, I have the right to request the blocking of any information that is the result of identity theft. I further reference 15 U.S.C. 1681b-2, which restricts the sharing or use of sensitive consumer data without explicit, lawful consent. 
The inclusion of this bankruptcy which may have been filed fraudulently, in error, or assigned to the wrong individual is severely damaging to my credit profile. If this record can not be conclusively verified by the original data furnisher ( the court itself ), it must be permanently removed in accordance with your obligations under the FCRA and FDCPA.

In addition, per 18 U.S.C. 1028A, any unauthorized or fraudulent use of personally identifiable information in a way that causes financial harm is a federal offense. If this public record was linked to my file through erroneous or malicious means, its presence must be treated as identity theft and corrected without delay. 
My Demands : Permanently delete the XXXX  XXXX bankruptcy, Reference No. XXXX from my Equifax, Transunion and Experian credit file 's. 
Provide me with documentation showing direct verification from the original source ( the court ), if you choose not to delete it. 
Provide the name and contact information of the entity that furnished this data to Equifax, TransUnion and Experian. 
Confirm compliance with all cited FCRA provisions within the required XXXX investigation period under 15 U.S.C. 1681i. 
Failure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and, if necessary, litigation for violations of 15 U.S.C. 1681n and 1681o. 
I expect full deletion or written verification within XXXX  days of the date of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation