Consumer complaint received 2025-04-24 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: MI

Complaint narrative:
XXXX XXXX XXXX, trustee Non-Domestic, Without the United States Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX AND Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Notice of Dispute and Demand for Verification Bankruptcy Reporting Re : Unverified Bankruptcy Reporting FCRA, FDCPA, TILA Violations Dear Compliance Officer : This correspondence serves as a formal dispute and demand for immediate removal of an unverified bankruptcy currently appearing on my consumer credit reports. This item is inaccurately reported and materially misleading, in violation of your obligations under 15 U.S.C. 1681 ( Fair Credit Reporting Act FCRA ), 15 U.S.C. 1601 ( Truth in Lending Act TILA ), and 15 U.S.C. 1692 ( Fair Debt Collection Practices Act FDCPA ). 

Item in Dispute : Alleged Bankruptcy Filing Reported by : TransUnion, Experian and Equifax Date Filed : XX/XX/XXXX Case/Reference Number : XXXX Upon investigation, it is evident that the reported bankruptcy is being furnished without legal verification from the originating court or trustee. There is no signed affidavit, wet-ink verified judgment, or authenticating documentation to substantiate the legitimacy of this bankruptcy. The inclusion of this information is a breach of your statutory responsibilities and constitutes defamation of my financial character. 
Basis for Dispute and Demand for Immediate Deletion : 1. Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i & 1681e ( b ) : You are required to maintain maximum possible accuracy and to investigate all disputes within 30 days. Failure to obtain certified verification directly from the originating source and continuing to report inaccurate information constitutes willful noncompliance.

2. Violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e : Any attempt by a third-party debt collector or reporting agency to falsely represent the legal status of a debt or judicial outcome is a deceptive practice.

3. Violation of the Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq. : If this bankruptcy is being used to offset obligations from unverified credit transactions, then full disclosure of material terms and verification of all alleged debts must be produced. Failure to produce such constitutes constructive fraud. 

DEMAND FOR IMMEDIATE ACTION : 1. Delete the inaccurate bankruptcy entry from my credit file within 15 days of receipt of this letter.

2. Provide all documentation used to verify and validate this entry, including a copy of the original bankruptcy petition, court validation, and any signed contracts or legal instruments relating to this record.

3. Send a written response to this dispute outlining the results of your investigation pursuant to 15 U.S.C. 1681i ( a ) ( 6 ). 

If your offices fail to comply with this demand, I reserve the right to pursue further legal remedies, including but not limited to : Filing a civil suit for damages pursuant to 15 U.S.C. 1681n and 1681o, Notifying the Consumer Financial Protection Bureau ( CFPB ), Filing complaints with the FTC, and Seeking injunctive relief in U.S. District Court. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX, trustee Authorized Agent for XXXX XXXX All Rights Reserved, Without Prejudice UCC 1-308 / UCC 1-103

Company response to consumer: Closed with explanation