Consumer complaint received 2025-11-23 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: TX

Complaint narrative:
FACTUAL DISPUTE LETTER UNVERIFIED BANKRUPTCY PUBLIC RECORD Demand for Immediate Deletion Under FCRA 607 ( b ), 609 ( a ) ( 1 ), 611, 613, 616, and 617 Subject : Formal Demand for Deletion of Unverified Bankruptcy Public Record Due to Non-Verification and FCRA Violations To Whom It May Concern, This letter serves as a formal factual inaccuracy dispute regarding the bankruptcy public record your bureau is continuing to report on my consumer file. The bankruptcy entry is unverified, unvalidated, and not legally reportable under the Fair Credit Reporting Act. 



1. The Bankruptcy Public Record Is Not Verified From Any Original Source You are reporting a bankruptcy public record that neither Experian nor Equifax obtained directly from : The U.S. Federal Bankruptcy Court, PACER, The Clerk of Court, or Any legally permissible source under FCRA 604.

I contacted the Federal Bankruptcy Court, and they confirmed in writing that : They do not verify the accuracy or validity of bankruptcy information to the credit bureaus.

This means any verification that Experian or Equifax claim to have conducted is false or impossible, as the only lawful source has confirmed they do not provide verification to you. 



2. XXXX ( Your Third-Party Vendor ) Is Blocked I have placed a security freeze and block on XXXX, which prevents them from supplying or verifying any public record data regarding me. 

Because XXXX is blocked : They can not furnish public record data They can not confirm a bankruptcy They can not verify any information They can not validate the bankruptcy record you are reporting Therefore your reporting of the bankruptcy violates : FCRA 607 ( b ) You must maintain maximum possible accuracy.

You can not do so if the vendor is blocked and the court does not verify records.

FCRA 613 ( a ) ( 1 ) You must verify public records with the original source. 

You have not done this and can not do this. 

FCRA 611 Once disputed, you must conduct a reasonable reinvestigation.

A reasonable reinvestigation is not possible, because no source can verify it.

Therefore, continued reporting is unlawful.

3. You Must Provide Full 609 ( a ) ( 1 ) Disclosure of Your Source Under FCRA 609 ( a ) ( 1 ), I am demanding the following for the bankruptcy record you claim to verify : The name of the individual or agency that allegedly verified it The date and method of verification Whether XXXX, XXXX, or any third-party was used The exact source from which you obtained the record Copies of any documents used to verify it Because XXXX is blocked and the federal court confirmed they do not verify records, any claim of verification is a violation of the FCRA.

4. The Bankruptcy Public Record Must Be Deleted Immediately This bankruptcy public record is : Unverified Unverifiable Inaccurately sourced Reported through a third-party vendor that is blocked Denied as valid by the only original source ( the federal court ) Under FCRA 607 ( b ), 611, 613, 616, and 617, the public record must be deleted immediately because : Any item that can not be verified must be removed.

You are now on official notice.

5. Actions Requested Immediately I am demanding that you : 1. Delete the bankruptcy public record immediately because it can not be legally verified. 
2. Provide full 609 ( a ) ( 1 ) source documentation for the original reporting.

3. Provide written confirmation of deletion within 15 days.

6. Notice of Intent to File Regulatory Complaints If you fail to comply, I will file complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney General The U.S. Trustee Program under the DOJ for bankruptcy reporting abuse I will also consider civil action for willful and negligent noncompliance under : FCRA 616 ( willful noncompliance ) FCRA 617 ( negligent noncompliance ) All rights are reserved.

Company response to consumer: Closed with explanation