Consumer complaint received 2025-09-02 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:
I am formally disputing the continued reporting of a discharged bankruptcy on my credit report, which is unverified, inaccurate, and no longer legally reportable in accordance with federal consumer protection laws. This letter serves as your final notice to permanently delete the bankruptcy from my file or face immediate escalation to regulatory and legal authorities. 

The public record currently reported under my name is a federal bankruptcy that was filed and subsequently discharged, yet your agency continues to report it with inconsistent dates, unverifiable status references, and missing XXXX XXXX compliance fields. You are required under FCRA 1681e ( b ) to follow reasonable procedures to assure the maximum possible accuracy of all information you report. You are also obligated under XXXX XXXX guidelines to accurately reflect the disposition, aging, and classification of public records. This bankruptcy entry appears with unverified or outdated information, lacks source-level documentation, and misrepresents my true credit profile. 

Furthermore, you have no direct furnishing relationship with the court, as federal bankruptcy courts do not report to credit bureaus. This means you are relying on third-party gatherers who can not provide original verification, making the data legally unverifiable. Under FCRA 1681i ( a ) and 1681c, when a consumer disputes the accuracy or completeness of a public record, you must either fully verify the information from the original source or delete it. You have failed to verify this bankruptcy at the source. Continued reporting without verification constitutes willful noncompliance. 

In addition, I am a victim of the Equifax data breach and have submitted evidence that my identifying information may have been compromised. If this bankruptcy was reported in part due to identity confusion, merged file errors, or unverifiable identifiers, then reporting it violates FCRA 1681b ( no permissible purpose ) and 1681c-2 ( failure to block identity theft-related data ). Reporting discharged or obsolete bankruptcies past the 7 or 10 year federal threshold is also a direct violation of FCRA 1681c ( a ) ( 1 ).

You have had multiple prior disputes and failed to resolve them in compliance with federal law. This is now a pattern of willful disregard. I am demanding that you permanently delete this bankruptcy from my credit report immediately. This is not a request for correctionit is a formal demand for total removal based on noncompliance, unverifiability, and data integrity failure. 

Bankruptcy reference number XXXX must be deleted immediately because it is unverifiable, inaccurate, and being reported in reckless disregard of federal law. Bankruptcy courts do not furnish data directly to the credit bureaus, and none of the bureaus have provided me with original certified court documents or chain of custody records proving that this information was lawfully obtained and accurately reported. Instead, you continue to recycle unverifiable third-party data, which violates FCRA 611 reinvestigation requirements and the duty of furnishers under FCRA 623 to ensure accuracy. This reporting is not compliant with XXXX XXXX standards, as the bureaus can not rely on unverifiable third-party vendors or XXXX  screen scrapes to maintain a derogatory public record. Without direct certified documentation, any continued reporting is reckless, misleading, and a willful violation of my rights under 15 USC 1681i and 1681s-2 ( b ). 

Equifax has publicly admitted to systemic failures in protecting consumer data through its breach. The continued reporting of this disputed and unverified bankruptcy compounds my financial and emotional harm and unfairly prevents me from rebuilding credit, securing housing, credit, or employment. I have provided multiple disputes, and yet you have failed to correct or delete this inaccurate information. This constitutes willful noncompliance.

Company response to consumer: Closed with non-monetary relief