Consumer complaint received 2025-04-27 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: FL

Complaint narrative:
I am writing to formally request the removal of the following accounts from my credit report. These accounts are inaccurate due to violations of federal law, specifically 15 U.S. Code 1635 ( Right of rescission ) and 15 U.S. Code 1692g ( Validation of debts ). Furthermore, these accounts were included in my bankruptcy filing and should no longer be negatively impacting my credit report : XXXX XXXX, XXXX ( CLOSED ) Account Number : XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Account Number : XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Account Number : XXXX XXXX XXXX, XXXX Account Number : XXXX XXXX Bankruptcy Discharge Information All of the above accounts were included in my bankruptcy filed with the United States Bankruptcy XXXX, XXXX XXXX of Florida, Case Number : XXXX. My bankruptcy was discharged on XX/XX/2023. As such, these accounts should be reported as included in bankruptcy and show a XXXX balance, or be removed entirely from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and bankruptcy laws. 

Violations of Federal Law The accounts listed above were not handled in a lawful manner. As a result, they should not be listed on my credit report and impact my credit score. Specific violations include : 15 U.S. Code 1635 provides consumers with the right to rescind certain credit transactions within a specified timeframe if proper disclosures are not made. I believe that the XXXX XXXX XXXX  and XXXX XXXX XXXX accounts are subject to this right of rescission, as I was not provided with the required disclosures at the time of the transactions. As such, these transactions are not valid and should not be reflected on my credit report. 
15 U.S. Code 1692g requires debt collectors to provide proper validation of debts upon request. Despite my written requests for validation, I have not received adequate proof of the validity of the debts associated with the XXXX XXXX XXXX and XXXX, XXXX accounts. The burden of proof lies on them to prove the validity of these debts, and their failure to do so necessitates their removal from my credit report. 

Request for Investigation and Removal Based on these violations of federal law and the fact that these accounts were discharged in bankruptcy, I respectfully request that Equifax immediately investigate and remove these accounts from my credit report, or update them to reflect their inclusion and discharge in bankruptcy as required by law. My credit report must accurately reflect my financial situation, and the presence of these accounts is both illegal and damaging to my creditworthiness.

Required Actions by Equifax Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to investigate disputed items and ensure the accuracy of the information reported. I request that Equifax take the following actions : Conduct a thorough investigation into the aforementioned accounts, including verifying whether proper disclosures were made and obtaining validation of the debts from the creditors or debt collectors.

Remove the accounts from my credit report or update them to show included in bankruptcy with a XXXX balance, as appropriate. 
Provide written confirmation of the removal or the results of your investigation within 30 days, as required by the FCRA. 
Enclosed Documentation I have enclosed copies of my identification, proof of address, a copy of my credit report with the disputed accounts highlighted, and a copy of my bankruptcy discharge order for your reference and to assist in your investigation.

Cooperation and Further Action I am willing to cooperate fully with your investigation and provide any additional information that may be required. If Equifax fails to remove or properly update these inaccurate accounts within the required timeframe, I will consider further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies available to me under the law. 

Thank you for your prompt attention to this urgent matter. I trust that Equifax will take the necessary steps to uphold the integrity of my credit report and protect my consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief