Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unverified Bankruptcy Listing on Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute an unverified bankruptcy listing on my credit report. I recently received a copy of my credit report from your agency dated XXXX XXXX XXXX, and was surprised to see the unverified bankruptcy entry that I believe to be inaccurate and unverified still showing on my credit report. 

I would like to bring to your attention that this erroneous information is damaging my creditworthiness and hindering my ability to obtain credit or secure favorable interest rates. Per your verified credit report, you stated for me that XXXX XXXX verified the bankruptcy record to you. Well, how did they do that when they dont have any files of me existing in their system. I will also attach a letter from XXXX XXXX letter stating this. Secondly, you stated that if I have any questions or concerns, I should contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We called the number provided and went to the address provided and was told the courts do not report any public record information to any credit bureaus. But you also provided a secondary address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Which address is correct? Furthermore, the Asset Amount section is incomplete. The Exempt Amount is also incomplete. You stated this bankruptcy record was verified on XX/XX/ and was also reported to you on XX/XX/ and you also mailed be a copy of this unverified bankruptcy on XXXX XXXX XXXX You were super busy on this date. But I did not receive the results of this investigation until XX/XX/. Please delete this unverified bankruptcy record or face litigation. 

As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure the accuracy and validity of the information they report. In this case, the unverified bankruptcy listing is a clear violation of this legal requirement. 

I kindly request that you investigate this matter promptly and remove the unverified bankruptcy listing from my credit report. I also request that you provide me with written documentation of the steps taken to verify the accuracy of this information. 

Enclosed with this letter are copies relevant supporting documentation that may assist in resolving this matter swiftly. 

I understand that, as per the FCRA, you have 15 days to investigate and respond to my dispute. I kindly request that you provide me with a written response within this timeframe, detailing the actions taken and the results of your investigation. 

Furthermore, I would appreciate it if you could inform me of any other parties or credit bureaus that have received this unverified bankruptcy information so that I may take the necessary steps to correct their records as well. 

I would like to emphasize the importance of resolving this issue promptly, as it is negatively impacting my financial standing. I trust that you will handle this matter with the utmost urgency and professionalism. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this dispute. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation