Consumer complaint received 2025-07-26 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: IN

Complaint narrative:
This correspondence serves as a formal demand to immediately cease and desist reporting the XXXX transaction currently included in my consumer report. It is my position that this inclusion is inaccurate, improper, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The XXXX  court does not report information to any consumer reporting agency, including TransUnion ; therefore, your continued reporting of this item constitutes a failure to maintain reasonable procedures to ensure maximum possible accuracy as mandated by 15 U.S.C. 1681e ( b ). I draw your attention to the fact that XXXX  courts do not communicate directly with consumer reporting agencies. Instead, information related to bankruptcy filings may be obtained through third-party vendors or public record retrieval systems. These methods are inherently prone to inaccuracies, incomplete data, or outdated information, as established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In that case, the court highlighted the limitations and potential unreliability of public record retrieval processes utilized by consumer reporting agencies. Moreover, TransUnions reliance on third-party data aggregators, without direct verification or compliance with the FCRAs requirements for accuracy, violates the statutes mandate to adopt and follow reasonable procedures. Your obligation under XXXX XXXX. XXXX ( a ) to reinvestigate disputed information also requires that you independently verify the source and accuracy of reported data. Any continued reliance on unverified or indirect sources to report my XXXX  status would constitute willful noncompliance, as described in XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ). In addition, your reporting of the XXXX  is causing ongoing harm to my financial reputation and subjecting me to undue prejudice in my ability to obtain credit. I demand that TransUnion immediately remove this erroneous entry from my consumer report. Please be advised that failure to act promptly and rectify this matter may result in legal action, wherein I will seek all remedies available under the FCRA, including statutory damages, actual damages, punitive damages, and attorneys fees, as permitted by law. As required under the FCRA, you have 30 days from the date of receipt of this letter to complete your reinvestigation and provide a written statement confirming that the XXXX  transaction has been permanently excluded from my report. Failure to comply within this statutory timeframe will leave me no choice but to escalate this matter to enforcement authorities or pursue litigation. Should you have any questions regarding this demand or require further information to process this request, I may be contacted in writing at the address above. However, this letter should be treated as my final attempt to resolve this matter amicably. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation