Consumer complaint received 2026-04-15 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: CA

Complaint narrative:
I am filing this complaint against Equifax , Experian, and TransUnion for the continued reporting of inaccurate, inconsistent, and unverifiable bankruptcy information on my consumer credit reports, despite multiple formal disputes and requests for reinvestigation and method of verification. The bankruptcy public record being reported ( filed approximately XX/XX/2022 and later discharged ) is presented with materially conflicting data across all three consumer reporting agencies. These discrepancies demonstrate a systemic failure to ensure accuracy and to conduct a lawful reinvestigation. ACCOUNT / PUBLIC RECORD INFORMATION The following bankruptcy identifiers are being reported inconsistently across my credit files : Bankruptcy Case Number Variations : XXXX XXXX XXXX XXXX Furnishers/ Sources : U.S. Bankruptcy Court US BKPT CT CA LA Federal Reporting Issues Identified : Conflicting filing dates ( XX/XX/2022 vs XX/XX/2022 ) Inconsistent case number formatting Non-uniform reporting codes and update sequences Varying court identifiers These inconsistencies prove the information is not accurate, complete, or verifiable. LEGAL VIOLATIONS 1. FAILURE TO FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY 15 U.S.C. 1681e ( b ) The consumer reporting agencies have published materially inconsistent and conflicting data regarding the same alleged bankruptcy. This demonstrates a failure to maintain reasonable procedures to ensure maximum possible accuracy. XXXX. FAILURE TO CONDUCT A REASONABLE REINVESTIGATION 15 U.S.C. 1681i ( a ) Despite multiple disputes, the bankruptcy continues to be marked as verified without : Any documentary evidence Any explanation of the verification process Any correction of inconsistencies This indicates that no reasonable reinvestigation was conducted and that the agencies relied on automated or superficial verification systems. XXXX. FAILURE TO PROVIDE METHOD OF VERIFICATION 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) I formally requested the method of verification, including : The name, address, and telephone number of the source The procedure used to verify the information The identity of the party who conducted the investigation Copies of documents relied upon These were not provided, in direct violation of federal law. XXXX. REPORTING OF INHERENTLY UNVERIFIABLE PUBLIC RECORD DATA The bankruptcy is being attributed to courts as the furnisher. However, courts do not furnish data directly to consumer reporting agencies. This indicates that the information is obtained through third-party vendors or databases, raising serious concerns regarding : Reliability Accuracy Lawful verification Continued reporting without certified documentation renders this account inherently unverifiable. XXXX. WILLFUL AND/OR NEGLIGENT NONCOMPLIANCE 15 U.S.C. 1681n & 1681o Given that : Multiple disputes have been submitted Material inconsistencies were clearly identified Method of verification was formally requested The continued reporting of this inaccurate information constitutes : Willful noncompliance ( 1681n ) if done knowingly or with reckless disregard Negligent noncompliance ( 1681o ) if due to failure of reasonable procedures 6. IMPROPER DELAY OR OBSTRUCTION OF DISPUTE PROCESSING 15 U.S.C. 1681i Any delay in processing disputes based on assumptions regarding third-party assistance is unlawful and has been previously addressed in written notice. ACCURACY AUDIT FINDINGS A cross-bureau audit of my credit reports reveals : The same bankruptcy is reported differently across all three agencies No uniform case identifier exists Reporting fields are inconsistent and contradictory Verification results are identical despite differing data This demonstrates systemic unreliability and confirms that no proper investigation has been conducted. DAMAGES As a result of these violations, I have suffered : Ongoing credit damage Impaired ability to obtain credit and favorable terms Reputational harm Emotional distress REQUEST FOR RELIEF I demand the following : Immediate deletion of the inaccurate bankruptcy from all credit reports Full disclosure of the method of verification used Identification of the actual source of the reported data Copies of all documents used to verify this public record Written confirmation of deletion and correction If the consumer reporting agencies are unable to produce certified documentary evidence validating this bankruptcy, deletion is required under federal law. NOTICE OF PRESERVATION This complaint serves as formal notice of ongoing violations and is preserved for documentation and potential legal action. ADDITIONAL LEGAL CLARIFICATION This complaint is governed by the Fair Credit Reporting Act ( FCRA ) FDCPA is not applicable as this matter does not involve a debt collector FCBA is not applicable as this is not a billing dispute I certify that the information provided is true and accurate to the best of my knowledge.

Company response to consumer: Closed with explanation