Consumer complaint received 2025-07-01 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: LA

Complaint narrative:
I hereby formally dispute any unsubstantiated information on my credit report, in compliance with the FCRA and XXXX XXXX standards. It is imperative that allegations are supported by factual evidence, aligning with federal and state regulations. Please ensure accuracy in your reporting, as mandated by the XXXX XXXX standard. I kindly request tangible evidence confirming the account 's existence and its permissible use. If not provided, I request removal from the report and authorize the mailing of physical documentation of actions taken and my updated credit report. 

Listed below are the Accounts that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Public Records that are being challenged : XXXX XXXX XXXX XXXX XXXX I wish to formally contest any unsubstantiated or inaccurately documented information in my credit report, pursuant to the FCRA and the recognized XXXX XXXX data field reporting standards. The allegations of delinquency and derogatoriness require factual verification as mandated by federal and state law, preventing any reporting that may contravene legal requirements. I kindly urge you to ensure the precision and legality of all claims in accordance with the XXXX XXXX reporting standard. I also request the provision of physical, verifiable evidence supporting the account 's existence and its legitimate use. If such evidence can not be provided, I request its removal from the report, along with authorization to receive physical documentation of your actions and my updated credit report. 

I am deeply concerned about the violation of my consumer rights due to the dissemination of inaccurate information. I expect fair treatment and request a detailed explanation of how accuracy and compliance responsibilities have been neglected. Negative information, whether certified or not, is unacceptable to me ; what truly matters is factual and truthful data concerning your company and my credit profile. 

The inaccurate credit report I received is surprising, as it should adhere to the FCRA and applicable XXXX XXXX data field formatting standards. I challenge you to provide a verified, complete, and truthful document that substantiates each claim. Failure to follow these standards, as outlined in the 2020 XXXX, jeopardizes data integrity, which is a serious matter. Removing any false accounts promptly is essential to prevent future financial consequences. My credit report holds significant importance, and I expect only accurate, verified, and compliant data to be documented. 

Personal Information Being Challenged : Incorrect Current Address : XXXX XXXX XXXX, XXXX, LA XXXX Accounts Being Challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Records Being Challenged : XXXX XXXX XXXX - XXXX I am demanding that you DELETE the bankruptcy entry and all associated included in bankruptcy accounts from my credit report immediately. These accounts are reported without a valid permissible purpose under 15 U.S.C. 1681b, and they contain false, unverified, and misleading information that violates 15 U.S.C. 1681e ( b ) and 1681s-2 ( a ) ( 1 ). You have willfully refused to correct or delete these entries despite multiple disputes, making you liable under 15 U.S.C. 1681n for knowing and reckless noncompliance. 

You are reporting conflicting datawrong balances, incorrect dates, and misleading payment histories. Your failure to meet XXXX XXXX compliance standards proves your reporting is not only technically flawed but also legally invalid. These entries were not verified directly with the source court and continue to reflect inaccurate information. 

XXXX - XXXX This is a formal demand to DELETE the false bankruptcy association attached to this FHA mortgage. Youve knowingly misrepresented this account under FCRA 1681e ( b ), 1681i ( a ), and XXXX XXXX compliance rules. The reporting shows 36 months of consistent, on-time payments with XXXX evidence of default, delinquency, charge-off, or court-documented discharge. You dont have any legal basis to classify this mortgage as Included in XXXX  XXXX when theres no proof this account was scheduled in the bankruptcy filing or discharged under any court order. Thats not just negligentits willful. This account was never behind. It wasnt written off. It wasnt even late. Yet you continue to weaponize false bankruptcy remarks to suppress my consumer file after Equifaxs national data breach already compromised my identity. XXXX XXXX guidelines require accuracy, uniformity, and substantiated reporting. You failed across the board. DELETE the bankruptcy label immediately and update the payment status to Pays as agreed/ Closed never late. I am not accepting manipulated data, and I will hold you accountable if this is not corrected. 

XXXX  - XXXX I demand you DELETE the false bankruptcy association connected to this account. Your system is reporting a bankruptcy linkage without any documented delinquency, charge-off, or defaultand thats a reckless, willful violation of FCRA 1681e ( b ) and XXXX XXXX reporting integrity. This account reflects 36 months of clean, on-time payments, with no balance and no valid reason for you to attach Included in XXXX XXXX or Discharged through bankruptcy to it. You have XXXX verified documentation from the court confirming this tradeline was part of the discharge order. It was paid, closed, and maintained properly. You're not allowed to slap a bankruptcy label on a fully satisfied agreement just because I filed one. This inaccurate label is suppressing my score and misrepresenting my payment behavior. Im demanding you DELETE the bankruptcy notation from this XXXX account and update the payment status to Closed Paid as agreed. If you fail to comply, Ill pursue legal action for willful misrepresentation and damages tied to Equifaxs ongoing breach liability. 

XXXX XXXX  - XXXX This account needs to be updated and corrected immediately. I demand the DELETE of the bankruptcy-related notation under FCRA 1681s-2 ( b ) and XXXX XXXX Compliance requirements XXXX Theres zero history of delinquency, charge-off, or collection activityjust a false association with a bankruptcy that was never directly tied to this tradeline in any legal filing. Thats misleading and damaging. I paid this account on time every single month, and your records even show that with clean payment history. Yet youve marked it as Included in XXXX XXXX or Wage earner plan without verifying with the court if this specific debt was discharged or restructured. Thats a violation of the Fair Credit Reporting Act and XXXX XXXX data integrity. If it wasnt listed in the confirmed bankruptcy schedules or discharged under court order, you have no legal basis to keep that remark on file. This is a willful misreporting thats harming my score. Im demanding you DELETE the bankruptcy association and update the status to Paid as agreed or Closed no derogatory remark immediately. If this account isnt corrected in compliance with 1681e ( b ), Ill move forward with filing complaints for negligent reporting and damages. 

XXXX - XXXX This account is not being reported in compliance with FCRA 1681e ( b ) or XXXX XXXX data standards. Youre allowing a government-secured XXXX installment loan to sit as a collection account with XXXX payment history, no verified account type, no full creditor identification, and no legal chain of custody from the original creditor. That's reckless reporting. You show no proof this was ever lawfully assigned to collections, and there's no legal notice of transfer or default filed through proper channels. The amount is unverifiable, the history is blank, and theres no payment behavior shown to validate delinquency. This is sloppy data dumping, not accurate reporting. Under 15 USC 1681i and XXXX XXXX XXXX compliance, you must DELETE this account immediately. Im a victim of the Equifax data breach and Im not accepting fragmented, unverifiable government debt on my fileespecially when its not even being reported by the other two bureaus. This is your final chance to delete this entry before I file with the CFPB, Attorney General, and initiate civil action for willful noncompliance. 

Bankruptcy XXXX / XXXX I demand the permanent DELETE of this bankruptcy from my credit report due to multiple violations of FCRA 1681i and 1681e ( b ), as well as complete failure to comply with XXXX XXXX reporting standards. Youre reporting a XXXX  XXXX with no verified liability, no court-verified asset documentation, and no consistent naming of the court entityyet you continue to furnish this public record after discharge with NO factual basis. This is willful non-compliance and negligent reinsertion of unverifiable data. Equifax has no right to furnish or report any data after their massive breach compromised my consumer file under national public disclosure. I am a data breach victim, and you have not revalidated this bankruptcy with actual court-authenticated documentation. XXXX DIST CT and XXXX XXXX CT LA XXXX XXXX are not valid legal court namesthis alone is a XXXX XXXX red flag. Ive disputed this, and instead of investigating with factual documentation from the original public source, youve allowed broken, unstructured fragments to remain. I will not tolerate this manipulation of my report any longer. This item was never verified lawfully. If you cant provide the full court docket transcript with all original asset schedules and a certified judgment under my full legal name, this bankruptcy must be permanently DELETED immediately. 

Moreover, I am a confirmed victim of the Equifax Data Breach and the XXXX XXXX Data Breach, both of which exposed my personal information and resulted in unauthorized and incorrect reporting across all three bureaus. That fact alone calls into question the authenticity of any entry tied to my identity. You can not claim accuracy or permissible purpose when the foundation of your reporting was corrupted by a breach. 

Have you verified these accounts with full documentation directly from the court system? If not, how do you justify continuing to report this? You are not permitted to rely on secondhand, outdated repositories like XXXX or XXXX as the basis for derogatory reporting. 

Your failure to act is intentional and harmful. DELETE the bankruptcy and all related accounts immediately. If you continue to report unverifiable and fraudulent information, I will file complaints with the CFPB, State Attorney General, and pursue legal action to seek damages under FCRA 1681n, 1681o, and all applicable consumer statutes.

I expect written confirmation that the accounts have been permanently deleted within 15 business days.

Company response to consumer: Closed with non-monetary relief