Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is the 3rd time I've requested to have this information changed back to the way it was before all this nonsense started on XX/XX/XXXX. In XXXX of XXXX, I file for XXXX  XXXX Bankruptcy in the State of California. The Bankruptcy was discharged on XX/XX/XXXX. XXXX of my creditors listed on my Bankruptcy was XXXX XXXX. When the Bankruptcy was discharged on XX/XX/XXXX, all the credit reporting agencies, XXXX, XXXX, Equifax had my pay history with XXXX XXXX  being reported as " unknown '' or " no data. '' After a year had passed from when my bankruptcy was discharged all of a sudden, I get an email from XXXX XXXX stating something had changed on my Equifax Credit report. After careful review I noticed that XXXX XXXX  after a year and XXXX months had passed from my bankruptcy decided to report to Equifax on XX/XX/XXXX, that I was 30, 60, and 90 days late back on XXXX, XXXX, and XXXX of XXXX. They went from reporting " unknown '' or " no data '' to showing late payments after a year and XXXX months had passed. This issue has dropped my credit score with Equifax down XXXX points. On XX/XX/XXXX I filed a complaint with the CFPB and this was Equifax 's response, A summary of the results are listed below : Trade : XXXX XXXX  XXXX PLEASE BE ADVISED THAT ACCOUNT INCLUDED IN BANKRUPTCY DOES NOT REPORT ANY LATE PAYMENTS. HISTORICAL ACCOUNT INFORMATION WAS UPDATED ON THIS ACCOUNT THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ACCOUNT HISTORY, HISTORICAL ACCOUNT INFORMATION We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ). On XX/XX/XXXX I filed another complaint with CFPB, and this was Equifax 's response A summary of the results are listed below : Trade : XXXX XXXX  XXXX ACCOUNTS INCLUDED IN BANKRUPTCY DO NOT REPORT ACCOUNT INFORMATION AND ARE CONSIDERED CLOSED ; AND WILL REMAIN ON THE EQUIFAX CREDIT FILE SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. PLEASE BE ADVISED THAT ACCOUNT INCLUDED IN BANKRUPTCY DOES NOT REPORT ANY LATE PAYMENTS. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXXXXXX ( XXXX ). On both these responses I was told by Equifax that they DO NOT REPORT ANY LATE PAYMENTS ON A BANKRUPTCY ITEM. And yet on XX/XX/XXXX I received a copy of the apparent investigation by Equifax and a copy of my Equifax Credit Report, and it shows a 30, 60, and a 90-day late payment being reported by XXXX XXXX  XXXX And it was reported again by XXXX Mortgage to Equifax on XX/XX/XXXX. Why is a debt that was discharged on a Bankruptcy over a year and a half ago reporting late payments? I thought the CFPB was created to look out for and protect the consumer? You can clearly see I'm being targeted and punished by XXXX XXXX  because I filed for Bankruptcy and Equifax isn't doing anything about even though they say in the above statements they don't report late payments on bankruptcy items. This is so corrupt on so many levels.

Company response to consumer: Closed with explanation