Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Here is a fully tailored, aggressive, attorney-style credit dispute letter demanding the immediate removal of a bankruptcy from your credit report, using all relevant laws under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and relevant federal legal doctrines. This version is laser-focused and written as if your life and future depend on it. 





TO : Experian XXXX. XXXX XXXX XXXX, RE : FINAL LEGAL DEMAND FOR IMMEDIATE REMOVAL OF BANKRUPTCY FROM CREDIT REPORT To Whom It May Concern : This letter constitutes a formal demand under federal law for the immediate removal of a bankruptcy entry that is currently appearing on my credit report under the name XXXX XXXX XXXX. I am disputing the accuracy, legality, and verifiability of this item and putting you on notice that continued reporting constitutes willful noncompliance with federal law. 

This issue has reached a critical pointmy livelihood, ability to secure housing, employment, and basic necessities is being hindered by this inaccurate and potentially unlawful reporting. As such, I am demanding this item be deleted without delay. 



I. LEGAL BASIS FOR DISPUTE AND REMOVAL DEMAND 1. FCRA 1681i Unverified Information Must Be Deleted Within 30 Days You are legally obligated to conduct a full reinvestigation within 30 days of receiving this dispute. 

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) clearly states : Ifan item is found to be inaccurate or can not be verified, the credit reporting agency shall promptly delete that item of information from the consumers file. 

FACT : The U.S. Bankruptcy Court does not report to credit bureaus.

FACT : Any information reported was obtained via third parties or private vendors.

FACT : Unless you have a direct, original communication from the court confirming this bankruptcy, the information must be deleted immediately. 



2. FCRA 1681e ( b ) Maximum Possible Accuracy Requirement As a CRA, you are bound by law to ensure that all reported data is held to the maximum possible accuracy. 

If this bankruptcy record : Fails to show a correct disposition ( dismissed, discharged, withdrawn ) Lacks court-certified documentation Was reported via third-party database searches ( XXXX, XXXX, etc. ) then your reporting constitutes gross negligence or willful violation of federal law. 



3. FCRA 1681c ( a ) Time-Based Reporting Limits Bankruptcies must be removed from reports no later than : 10 years from the date of filing ( for XXXX  XXXX ) 7 years from the date of discharge ( for XXXX  XXXX ) If the date of filing or discharge meets these limits, you are in direct violation of federal statute by continuing to report this record. 



4. Use of XXXX  or XXXX Is Not Legal Verification According to guidance from the Federal Trade Commission : XXXX is a third-party tool and not an official furnisher of credit data under the FCRA. 

If you are using XXXX, XXXX, or XXXX to verify this record instead of obtaining direct confirmation from the court clerk or bankruptcy trustee, you are not in compliance with 15 U.S.C. 1681i. 



5. FDCPA Violations If Collection Accounts Are Tied to This Bankruptcy If any collection accounts remain on my report tied to this bankruptcy, they must also be deleted, as continued collection attempts or negative reporting after discharge are violations of : 15 U.S.C. 1692e ( 8 ) Reporting information you know or should know is false 15 U.S.C. 1692f Using unfair or unconscionable means to collect a debt XXXX. ACTION DEMANDED You are hereby given 30 days from receipt of this notice to complete the followi

ng : 1. Conduct a lawful reinvestigation of the bankruptcy record. 2. Provide me with all source doc
umentation used, including name and contact info of original furnisher ( not XXXX  or XXXX  ). 
3. Delete the bankruptcy record entirely if you can not provide legal verification from the original source ( the U.S. Bankruptcy Court ). 
4. Remove any and all accounts or trade lines associated with the bankruptcy that were discharged, dismissed, or resolved. 



III. NOTICE OF LEGAL CONSEQUENCES FOR NON-COMPLIANCE If you fail to comply, I am prepared to pursue all legal remedies available to me under federal law, including but not limited to : A civil lawsuit for violations under FCRA 1681n and 1681o Statutory damages of up to {$1000.00} per violation Actual damages, including loss of housing, credit, employment Punitive damages and attorneys fees Additionally, I will file complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX Attorney Generals Office IV. FINAL WARNING This is your final notice. You have been officially notified of this matter. 
Failure to act within the required 30-day period will result in immediate escalation, including federal litigation without further notice. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Let me know if youd like me to generate this as a print-ready PDF, mail merge versions for each bureau, or include a second page for supporting exhibits or a notary. Ready to go full legal force if needed.

Company response to consumer: Closed with explanation