Consumer complaint received 2026-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Inaccurate Credit Reporting & Request for Immediate Correction ( FCRA XXXX & XXXX ) * * AIDVANTAGE P.O. XXXX XXXX XXXX, TX XXXX I am submitting this correspondence as a formal complaint that is also being filed with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate credit reporting by AIDVANTAGE. * * Accounts in Dispute : * * XXXX. Account Number : XXXX XXXX. Account Number : XXXX XXXX. Account Number : XXXX XXXX. Account Number : XXXX * * Nature of Complaint : * * I filed for bankruptcy on * * XX/XX/year> * *. Despite this, the above-referenced accounts are being reported with a * * delinquency dated XX/XX/year> * *, which is after my bankruptcy filing date. This reporting is inaccurate and violates the Fair Credit Reporting Act ( FCRA ). Specifically : * * * XXXX U.S.C. XXXX ( a ) ( FCRA XXXX ( a ) ) * * requires furnishers to provide accurate information and prohibits reporting information known to be inaccurate. * * * XXXX U.S.C. XXXX ( b ) ( FCRA XXXX ( b ) ) * * requires a furnisher, upon notice of dispute, to conduct a reasonable investigation, review all relevant information, and correct or delete inaccurate or incomplete information. * * * XXXX U.S.C. XXXX ( FCRA XXXX ) * * requires that disputed information be promptly investigated and corrected by consumer reporting agencies, and furnishers must support only information that is verified as accurate. Reporting a new delinquency after a bankruptcy filing date is inconsistent with accurate reporting obligations and constitutes misleading information that is materially harming my credit profile. * * Requested Resolution : * * I am demanding that XXXX take immediate action to : * Remove any delinquency reported after XX/XX/year> * Correct the payment history to reflect no late payments after the bankruptcy filing date * Update the account status appropriately ( e.g., Included in Bankruptcy or otherwise accurate status ) * Notify and update all consumer reporting agencies, including XXXX , XXXX, and XXXX, to ensure consistent and accurate reporting across all bureaus Please note, I am * * not requesting deletion * * of these accounts. I am requesting * * accurate reporting in full compliance with federal law * *. I have enclosed documentation supporting my bankruptcy filing, along with identification for verification purposes. If you maintain that this information is accurate, I am requesting the following pursuant to * * FCRA XXXX ( b ) * * : * A detailed description of the * * method of verification * * used * The * * name, address, and telephone number * * of any party contacted during your investigation * Copies of any documentation relied upon to verify the reported delinquency Due to the ongoing negative impact this issue is having on my creditworthiness, I expect this matter to be handled with urgency. I also expect a written response confirming the corrections made. Failure to correct this matter promptly may result in further escalation, including additional complaints and potential legal action to enforce my rights under the FCRA. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation