Consumer complaint received 2025-04-05 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: LA

Complaint narrative:
CEASE AND DESIST LETTER Unlawful Reporting of Bankruptcy Information in Violation of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX Dear Equifax , Transunion , Experian I am writing to formally demand that you **immediately cease and desist** from unlawfully reporting bankruptcy information pertaining to XXXX XXXX ( XXXX, XXXX ). This letter serves as notice that your continued reporting of such information without proper verification from the court constitutes a **willful violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. ** # # # **Legal Violations & Basis for Demand** XXXX. **Failure to Verify XXXXy Information ( 15 U.S.C . 1681e ( b ) ) ** - Under **15 U.S.C. 1681e ( b ) **, consumer reporting agencies must **follow reasonable procedures to ensure maximum possible accuracy** of reported information. 
- The XXXX Bankruptcy XXXX for the Western District of Louisiana XXXX XXXX XXXX XXXX has confirmed in writing that **it has not communicated with any credit bureau regarding XXXXXXXX XXXX XXXX XXXXXXXX and has **not verified any accounts** with your agencies. 
- By failing to obtain direct court verification before reporting bankruptcy information, you have violated your duty under 1681e ( b ).

2. **Failure to Conduct a Proper Reinvestigation ( 15 U.S.C. 1681i ) ** - If a consumer disputes information, ** 1681i ( a ) ( 1 ) ( A ) ** requires you to conduct a **reasonable reinvestigation** and **delete inaccurate, incomplete, or unverifiable information** within 30 days. 
- If you previously received a dispute regarding this bankruptcy, your failure to remove it after confirmation from the court that **no verification was provided** constitutes a further violation. 

XXXX. XXXX XXXX Supporting This Position** - **Cushman v. TransUnion Corp.XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Credit bureaus must verify disputed items with XXXX XXXX ( e.g., courts ) rather than relying on unreliable third-party data. 
- **Henson XXXX CSC XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRAs have an obligation to ensure **maximum possible accuracy** and can not rely on unverified data. 

**Demand for Immediate Action** Pursuant to **15 U.S.C. 1681i**, you are **required** to : XXXX. **Immediately remove all bankruptcy-related entries** associated with XXXX XXXX from all credit files.

2. **Provide written confirmation** of deletion within XXXX days** of receiving this letter. 
XXXX. **Cease any further reporting** of this unverified bankruptcy information. 

**Notice of Intent to Pursue Legal Remedies** If you fail to comply with this demand, I will have no choice but to : - File a formal complaint with the XXXX XXXX XXXX XXXX XXXX CFPB XXXX **. 
- Pursue legal action for **willful noncompliance under 15 U.S.C. 1681n**, which allows for **statutory damages ( $ XXXX {$1000.00} per violation ), punitive damages, and attorneys fees**. 

This letter serves as **pre-litigation notice**. Any further violations will be met with swift legal action.

Company response to consumer: Closed with explanation