Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX To : TransUnion XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX RE : Notice and Demand to Remove Dismissed Bankruptcy Record XXXX XXXX Case # : XXXX / XXXX Filing Date : XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Peace and Notice to Agent is Notice to Principal, I, XXXX XXXX XXXX XXXX XXXX a living man, XXXX XXXX XXXXXXXX XXXX standing In Propria Persona , Sui Juris not a corporate fiction hereby give formal Notice and Demand for the immediate removal of the dismissed XXXX XXXX XXXX  entry from my consumer credit reports currently maintained by your bureaus. 

The reported record pertains to a bankruptcy petition that was dismissed without adjudication, without discharge, and without administration of any estate. The subject record reflects : {$0.00} in liabilities, assets, and exemptions Status : Dismissed No confirmed plan or executed repayment schedule Court : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX Closed : XX/XX/XXXX This record is inaccurate, incomplete, and misleading, and its continued reporting constitutes material violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically : 1681e ( b ) : Failure to ensure maximum possible accuracy ; 1681i : Failure to correct or delete inaccurate, incomplete, or unverifiable information ; 1681c : Reporting obsolete or stale public record information.

Moreover, 15 U.S.C. 1681s2 ( b ) Responsibilities of Furnishers of Information Upon Notice of Dispute mandates that upon receiving notice of dispute, any furnisher : 1. Must investigate the disputed information ; 2. Must review all relevant information provided ; 3. Must report the results back to the credit reporting agency ; 4. Must correct or delete any information found to be inaccurate, incomplete, or unverifiable.

Failure to comply by your bureaus or the furnisher constitutes willful noncompliance, exposing you to liability under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ).

DEMAND FOR REMEDY : I hereby demand : 1. Permanent removal of this dismissed bankruptcy record from my credit file ; 2. Written confirmation within 30 days verifying that the record has been deleted ; 3. Proper processing of this as a formal dispute under FCRA 1681i, with all data furnishers notified of their duties under 1681s2 ( b ).

Failure to comply will result in initiation of administrative actions and assertion of private rights ( equity and law ) for damages. 

Let this stand as Lawful Notice. 


In Equity and Honor, Affiant : XXXX XXXX XXXX XXXX, de jure In Propria Persona, Sui Juris, In Solo Proprio authorized representative, ex rel. 
XXXX XXXX XXXX ; All Rights Reserved. 
C/o XXXX XXXX XXXX XXXX XXXX XXXX  [ XXXX XXXX ] Date : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation