Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I sent a verification request to Equifax and received no correspondence back. On XX/XX/XXXX I sent a second verification request to Equifax and received no correspondence back. On XX/XX/XXXX I sent a third verification request Equifax and mentioned how I have not heard back since XXXX and XX/XX/XXXX and have received no correspondence back. On XX/XX/XXXX I sent a third request to dispute my bankruptcy and mentioned the dates I sent letters and advised they have 30 days to respond and asked that they delete the information. I filed a CFPB report on XX/XX/XXXX and it was closed out on XX/XX/XXXX stating how the credit bureau will mail me their response. I received the credit bureau response stating how the public record information was received from XXXX and that they have verified the public record item is reporting correctly and for me to reach out to the bankruptcy court. Well I have reached out to the bankruptcy court and the bankruptcy court stated " the bankruptcy court does NOT perform any activities with the credit bureaus and how I would need to contact the individual credit bureaus for their procedure for removing the bankruptcy filing from their credit report ''. 

Equifax is well over the 30 days from my initial letters asking can they verify who they verified the bankruptcy through. A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as mentioned below ) or can not be verified. If we look at the date of my letters and the date of Equifax response, Equifax is well over the 30 days they had allotted to respond. 

Federal law requires you to respond within 30 days, yet you have failed to respond within 30 days. I sent letters in XXXX and XXXX and I am just now receiving a response in XXXX. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. 

Please review the supporting documents I submitted reflecting the multiple times I reached out and received no response from you all. 

An actual letter I finally received from Equifax finally advising how they verified the Bankruptcy Please review the letter from XXXX  XXXX  that reflect they have deleted the bankruptcy from my account Please review the page that reflect XXXX  XXXX has removed the Bankruptcy from their file Please review the Bankruptcy court response. I have provided supporting documentation that further conclude that your investigation was done poorly. Please review each document very closely.

Company response to consumer: Closed with explanation