Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: ID
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:
This is not a duplicate complaint. Despite my open complaints in the CFPB portal, Equifax, XXXX, and XXXX persist in sending me communications through the mail. It seems these companies are attempting to divert the conversation away from the CFPB process. *** The court docket clearly indicates that each company was properly notified of the bankruptcy proceedings : *** - The Bankruptcy Noticing Center ( BNC ) sent the Certificate for the Meeting of Creditors on XX/XX/XXXX. *** - The Bankruptcy Noticing Center ( BNC ) sent the Certificate for the Discharge Order on XX/XX/XXXX. *** The discharge order legally eliminated my liability for these debts. 
According to the Trustees Report, my estate has been fully administered, and all debts totaling {$64000.00} have been discharged without payment, resulting in XXXX balances owed. If your representatives lack training in interpreting bankruptcy discharge documents, this issue should not be managed by them but should be escalated to your bankruptcy or legal department. *** I have consulted with an attorney regarding each company 's collections practices and non-compliance with the discharge, rather than pursuing small claims as I had originally intended. I wish the attorney process was faster, as this stress is causing a significant hardship. However, I will ensure each company corrects this issue. *** Given that every court document I present is a matter of public record, and notices were directly sent to each company by the BNC, I am left to wonder if the companies may be verging on contempt of court. *** Please note the following statement from the XXXX XXXX XXXX 's Report of No Distribution : *** " I, XXXX XXXX XXXX, having been appointed trustee of the estate of the above-named debtor ( XXXX ), report that I have neither received any property nor paid any money on account of this estate ; that I have made a diligent inquiry into the financial affairs of the debtor ( XXXX ) and the location of the property belonging to the estate ; and that there is no property available for distribution from the estate over and above that exempted by law. Pursuant to Fed XXXX Bank XXXX XXXX, I hereby certify that the estate of the above-named debtor ( XXXX ) has been fully administered. I request that I be XXXX from any further duties as trustee. Key information about this case as reported in schedules filed by the debtor ( XXXX ) or otherwise found in the case record : This case was pending for 1 months. Assets Abandoned ( without deducting any secured claims ) : {$4600.00}, Assets Exempt : Not Available, Claims Scheduled : {$64000.00}, Claims Asserted : Not Applicable, Claims scheduled to be discharged without payment ( without deducting the value of collateral or debts excepted from discharge ) : {$64000.00}. ( XXXXXXXX, XXXX ) '' *** I strongly urge each company to acknowledge the discharge and cease collections and debt claims on my credit report concerning these legally eliminated debts. I look forward to each companys prompt cooperation.

Company response to consumer: Closed with explanation