Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX and Equifax this dispute/ complaint is directed to both of you mainly XXXX XXXX You are the one that run to these courthouse snooping around to see what you can find to report on people. The reason I know this because each reporting agencies XXXX XXXX, Equifax tells me so. Because each one states that you claim you verified the dispute. It is listed on each of the reporting agencies! Since you are running back claiming you verified the inaccuracies and violations of the FCRA. I have a few question and request 1 ) review Equifax credit report that is attached to this dispute could you please tell me why was the public record XXXX deleted from the credit file? I have asked Equifax 22 time as to why! All they can tell me is that XXXX verified alright since you verified Im asking you why did the United States bankruptcy court of Minnesota asked to re-insert the public record back to Equifax credit report?? They would have been the only one that had the public record re-inserted! Due to the fact that is where the bankruptcy was filed! So since Equifax tells me you verified the information in question. Since you verified and Equifax tells me that you did. I Exercise my rights under FCRA 609a ( 2 ) to request and for you to tell me and provide me with the following information Why was this public record Re-inserted back to the credit file?

Who told you to add this back to the credit report I need the name of whom you spoke with name phone number! On there company letter head! 

XXXX is an electronic public access service for United States federal court documents. It allows users to obtain case and docket information from the data base but XXXX  wouldnt not and Is not equipped with removing and adding bankruptcies to a consumer credit file so we know XXXX didnt have anything to do with added or removing anything from Equifax credit file! Again if you try to even come back trying to say XXXX did this I again exercise my right under FCRA 609A ( 2 ) for you to provide me information from XXXX  and the name and phone number of a representative from XXXX that states that XXXX does remove and add public records to a consumer credit report! XXXX you are the data furnisher again you have people running in and out of courthouses viewing XXXX  system which is third-party vendor like yourself. And nobody but your Organization re-added the public record back to the report! 
2. You failed to notify me within 5 business day of the Reinsertion which puts you in violation of the FCRA i asked that you remove the public record that indicated it was delete it and re-add it nobody did it but you! 
All Equifax can tell me is XXXX verified my dispute as to why was it re-added now Im asking you for factual proof as what and how did you verify it! The Equifax report is uploaded which shows that you verified it!!!! I will be waiting your response! And I thank you!! 

XXXX

Company response to consumer: Closed with explanation