Consumer complaint received 2025-12-26 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: OH

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for the continued reporting of an inaccurate, incomplete, and unverifiable federal bankruptcy on my consumer credit reports, despite multiple disputes and formal notices. 

All three credit reporting agencies are reporting the same bankruptcy public record ( Case/File Reference : XXXX, also reported XXXX XXXX and XXXX ) with material inconsistencies and missing required data, which renders the information unlawful to report under the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards.

Specifically : The filed/reported dates differ across bureaus The released/closed date is missing on Equifax but present on Experian and TransUnion The court name and reference numbers are inconsistent Required public record verification documentation has never been provided None of the bureaus have produced certified court records or explained their method of verification, despite my written requests A public record may not be reported unless it is complete, accurate, and capable of independent verification. Automated database matching does not meet the legal standard for verifying a federal bankruptcy. Any discrepancy in public record data makes the entire entry unverifiable and unlawful to report.

Despite being notified, all three bureaus have continued to report this bankruptcy as negative information, demonstrating a failure to maintain reasonable procedures to assure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ) and a failure to conduct a lawful reinvestigation under 15 U.S.C. 1681i ( a ).

This matter is further aggravated by the Equifax data breach, which exposed my personal identifying information. After that breach, Equifax and any bureau sharing or relying on that data had a heightened duty to ensure strict accuracy before continuing to report any public records tied to my identity.

I am not requesting an update, correction, or notation. Updating defective public record data does not cure these violations. Because none of the bureaus can demonstrate lawful verification with certified court documentation, continued reporting constitutes willful noncompliance with the FCRA, Metro 2, and the FTC Act ( 15 U.S.C. 45 ).

The continued reporting of this bankruptcy has caused ongoing harm to my credit profile, creditworthiness, and financial opportunities.

Laws Violated FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 1681i ( a ) Failure to conduct a proper reinvestigation FCRA 1681s-2 ( a ) ( 1 ) Furnishing information known or suspected to be inaccurate FCRA 607 ( b ) Reporting unverifiable public records FTC Act ( 15 U.S.C. 45 ) Unfair and deceptive acts and practices Metro 2 / CRRG Standards Incomplete and inconsistent public record reporting Resolution Requested I am requesting that the CFPB require Equifax, Experian, and TransUnion to take the following actions : Immediately and permanently delete all bankruptcy-related data associated with : Case/File Reference XXXX Any associated or alternate reference XXXX used across bureaus Cease reporting this bankruptcy in any form unless certified court documentation can be produced ( which has not occurred ). 

Provide written confirmation that the bankruptcy has been permanently deleted from all consumer-facing and internal databases. 

Issue updated consumer reports reflecting the deletion at no cost to me. 

Failure to comply should be treated as continued willful noncompliance with federal consumer protection laws. 

Supporting Documentation Attached are copies of my disputes and correspondence sent to Equifax, Experian, and TransUnion documenting : The inconsistent reporting across bureaus My requests for verification Their failure to provide certified documentation or lawful verification

Company response to consumer: Closed with explanation