Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Re : Formal Federal Dispute Unverified Bankruptcy, Identity Theft, and Immediate Deletion Required Violations of FCRA 602, 605B, 607, 609, 611, 623 ; FACTA ; Consumer Identity Theft Protections Bankruptcy Case : Chapter 7 ( Reported by Your Agency ) To Whom It May Concern : This correspondence serves as a formal federal dispute, an identity theft notification, and a demand for immediate deletion of a bankruptcy currently reported on my consumer file. 

The bankruptcy information appearing on my credit report is inaccurate, unverifiable, not sourced from the legal custodian, and is the direct result of identity theft activity that has followed me for years. Its continued publication violates multiple sections of the Fair Credit Reporting Act and exposes your agency to significant statutory and civil liability. 

This dispute is supported by official documentation from the United States Bankruptcy Court for the District of Massachusetts, which states verbatim : The Court does not report any case filing information to credit reporting companies, is not responsible for verifying or validating their reports, and does not have jurisdiction to remove information from those reports. 


This statement alone establishes that : You did not receive this information from the court. 

You can not verify this information with the court. 

Any verification your system attempts is legally invalid. 

The information is inherently unreliable and fails FCRA accuracy standards. 
Accordingly, the reported bankruptcy must be removed immediately.

1. Identity Theft Mandatory Blocking Under FCRA 605B I am notifying you, under penalty of perjury, that I am a victim of ongoing identity theft and that the bankruptcy attributed to me may have been : Misassociated Created through compromised personal identifiers Matched incorrectly through third-party databases Improperly placed in my file without lawful basis Under FCRA 605B, you are required to : Block the information immediately Conduct an expedited reinvestigation Provide written confirmation of removal Failure to block the information upon receiving an identity theft notice constitutes a willful violation of federal law.

2. Violation of FCRA 607 ( b ) : You Can not Meet the Maximum Possible Accuracy Standard The Bankruptcy Court makes it explicitly clear that : They do not report to CRAs They do not verify bankruptcy data They do not validate anything in your possession Since the only lawful source of verification refuses to provide data, your reporting can not meet the standard of maximum possible accuracy required by the FCRA.

This alone mandates deletion.

3. Violation of FCRA 611 ( a ) : Your Reinvestigation Can not Rely on Third-Party Data Aggregators Any verification performed through : XXXX XXXX XXXX Private public-record vendors Data brokers Automated systems ( e-OSCAR ) Any non-court source is legally insufficient, because none of these are : The original custodian Certified Legally authoritative Permissible as verification under 611 Therefore, if you can not obtain certified, original documents directly from the court, you must delete the bankruptcy.

The courts official letter proves you can not.

4. Violation of FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing Information Known or Should Be Known to Be Inaccurate Continuing to publish a bankruptcy that : Can not be verified Is not sourced from the court Is contradicted by the courts own statement Is tied to identity theft And fails all accuracy requirements constitutes willful and negligent furnishing of inaccurate information, which triggers civil liability.

5. Monetary Damages Available Under FCRA 616617 Your agency is now on notice of potential liability, which includes : {$1000.00} statutory damages per violation Actual damages ( denials, credit score impact, financial loss ) Punitive damages for willful misconduct Attorney fees Costs of litigation Courts have awarded consumers : {$10000.00} {$50000.00} for inaccurate public-record reporting {$20000.00} $ XXXX for identity theft mishandling {$1000.00} per willful FCRA violation regardless of harm If this bankruptcy continues to appear, you expose the agency to the full scope of these penalties.

Company response to consumer: Closed with explanation