Consumer complaint received 2025-07-10 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: MN

Complaint narrative:
I had filed bankruptcy, back in XXXX my bankruptcy was finalized. I was not aware of XXXX XXXX had reported to the credit bureaus, that my mortgage was discharged due to bankruptcy. I had only been aware they were not reporting my monthly payments, I had contacted XXXX XXXX several times on this issue, they told me my attorney had filed something wrong and I would have to refinance my mortgage for them to report my payments to the credit bureaus. 
It was three or four years later one of the people at the bank I spoke to informed me that my mortgage had been discharged due to the bankruptcy. 
I had been telling XXXX XXXX this entire time that they were never part of the proceedings or included in the bankruptcy this is when they inform me my attorney filed something wrong and I had to refinance to have my payments reported to the credit bureaus, which I purchased my home in XXXX I've never missed or been late on any payment since I purchased my home. 
Upon speaking to my attorney, and for me everything was filed correctly he had sent them copies of my bankruptcy several times it's showing XXXX XXXX was exempt from the proceedings, I have told them and sent them copies several times explaining they were held exempt and not part of the proceedings, they always said they would look into this and get back to me, the only time they actually got back to me was them disagreeing with what actions I wanted taken place at that time to fix the issue and to make things right. 
At that time I had said you have discharged my bankruptcy you've never got permission to continue to take my payment from my bank account every single month, but yet you continue, as you claim to be part of the bankruptcy proceedings which is illegal to continue to collect payment without my consent, if you're trying to act as part of the bankruptcy proceedings you can't pick and choose how we do things, and according to your way of this issue is you are part of the proceedings discharged to the credit reports my mortgage. Which means you at no point can continue to withdraw monthly payments from my account without my consent. 
This bankruptcy in XXXX to current my credit has bottomed out, and my life has been nothing but a pure struggle from this point on and XXXX XXXX has been unwilling to actually read the bankruptcy documents that they have from the federal bankruptcy courts, my attorney, and myself showing the schedule C was filed with the bankruptcy proceeding exempting XXXX XXXX mortgage from the proceedings, see attached documents page 54 of 66. 
I rely on taken small loans for major repairs i get, I am XXXX on XXXX, recieve less then {$1000.00} a month to live on. 
When my water heater broke needed to b replaced, i could not afford to replace it, when my furance broke i was not able to have it fixed due to not having funds at time. I have always had to get a line of credit or small loan to cover repairs. Due to mortgage being discharged my credit is DESTROYED, i went 1 full yr with a furance and mn winters r cold! Had to use space heaters to keep house warm costing me over {$1500.00} to heat my house that winter, went without hot water for two yrs, unable to shower water way to cold to take a shower.. Thank goodness i recieved stimulus checks that pd to repair these things and to buy a really cheap car, was cheaper then repairing my car, needed to get grocerys, go to doctor appointments. 
This issue has caused major XXXX in my life, and XXXX has refused to actually read the bankruptcy papers.

Company response to consumer: Closed with explanation