Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
Re : DEMAND TO DELETE FALSE AND UNVERIFIABLE PUBLIC RECORD CASE # XXXX To Whom It May Concern : I am formally contesting the validity of the derogatory public record reporting against me. This dispute concerns the public record : Federal Bankruptcy Case # XXXX Reported Filed Date : XX/XX/year> Court : XXXX XXXX XXXX CA XXXX XXXX XXXX dispute the accuracy, completeness, and reportability of this record. I believe your bureau and any reporting entities involved have violated multiple sections of federal law by failing to validate the information and knowingly continuing to report it after notice. 

You Are in Violation of Federal Law You have violated the following provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy of the information. 

15 U.S.C. 1681g ( a ) ( 1 ) Failure to clearly disclose the source of the public record you claim is verifiable.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a proper reinvestigation once formally notified of a dispute.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( C ) Knowingly misrepresenting the legal status of an obsolete and discharged record.

15 U.S.C. 1681j ( a ) ( 6 ) Failure to provide a proper description of reinvestigation procedures as required after dispute resolution. 

Furthermore, the XXXX XXXX Format reporting guidelines, which you are obligated to follow under Regulation V and your data furnishing agreements, demand that all reported public records be complete, accurate, verifiable, and not misleading. This record fails those standards. 

No Verifiable Source of Reporting The public record in question has been legally discharged by the court. There is no current or ongoing legal obligation tied to it. If you continue to report this record, then you are required under federal law to provide the exact name, address, and phone number of the entity that verified this information to you. If you can not provide this, then you are reporting unverifiable and false data. 

The burden of proof is on you, not me. I demand proof of the legal authority to report this record. Any failure to provide this proof within XXXX days will be treated as willful non-compliance. 

Legal Consequences of Willful Non-Compliance If you fail to delete this false information and provide written confirmation within XXXX days from the date of receipt of this letter, I will take the following legal actions without further warning : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for failure to comply with the FCRA and your obligations as a credit reporting agency. 

Pursue legal action under 15 U.S.C. 1681n, seeking the maximum statutory damages of up to {$1000.00} per violation, in addition to actual damages, punitive damages, attorneys fees, and court costs. 

Demand a full audit and investigation of your compliance with federal credit reporting laws and your data handling procedures. 

Final Demand for Deletion You are required by law to : DELETE the public record Case # XXXX from my credit report immediately. 

MAIL a written confirmation of the deletion. 

PROVIDE an updated copy of my credit report as required by 15 U.S.C. 1681j ( b ). 

EXPLAIN the procedure used in any prior reinvestigation in writing as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

Failure to act will be documented and used as evidence in formal regulatory complaints and any court proceedings. 

You have XXXX calendar days from the receipt of this letter to comply.

Company response to consumer: Closed with explanation