Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: CA
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:
Equifax Credit Reporting Agency You asserted that you used XXXX to validate the Bankruptcy on my credit report. I have included a letter from XXXX that shows I have an OPT OUT REQUEST filed and put into place on XXXX XXXX2022, yet you claimed XXXX has denied that they have provided with any such validation of the Bankruptcy. Furthermore, the U.S. Bankruptcy Court does not supply any agencies with information on individuals bankruptcies to anyone. 
Equifax was sent by the CFPB a request to validate your claim, yet you have refused to do so. Please review the attached letter from XXXX is dated XX/XX/ 2022, which makes impossible for you to have used XXXX database to verify/validate you claim, you see it is impossible for you to claim you validated your claim of verification/validation. You have refused to verify/validate the Bankruptcy honestly reporting on you bureau. Also, you refused to verify/validate you claim showing on the Certified Mail Receipt XX/XX/2022 and another request for on XX/XX/2022. The letter attached to this file shows I have an OPT OUT REQUEST put into place on XXXX 16,2022, yet you claimed XXXX has claimed that they have provided with a verification/validation of the Bankruptcy appearing on my credit report with your bureau. Just impossible. Furthermore, the U.S. Bankruptcy Court does not supply any agencies with information on individuals bankruptcies to according to the law. 
Moreover, you alleged that the information was accurate. How? 
The information I have provided you with the above information which proves that you did not communicate with the third party in question and are just avoiding following the law. 
YOU DID NOT VERIFY MY BANKRUPTCY AS REQUESED AS REQUIRED BY THE FCRA AS PER THE LAW. PLEASE READ THE RULES AND ENSURE YOU FOLLOWED THE LAW. Fair Credit Reporting Act Section 611 ( a ) 6 & 7 you are to provide me with your method of verification. I demand proof that you went through all the proper and logical steps that would have been necessary to verify/validate or refute my dispute. Part 6 & 7 : Section 611. Procedure 1 ) The person you spoke with at the bankruptcy court 2 ) Provided me a complete copy of all the information that was transmitted to the data furnishers as part of the investigation as is required by FCRA : 3 ) Who did you speak with? 4 ) What was the date of your inquiry? 5 ) How long was the conversation? 6 ) What was the position of the individual you spoke with? 7 ) What number did you call? 8 ) What is the name of your employee or the I.D . number of the person that spoke with directly? 9 ) What number did your employee call? 10 ) What is the position of your employee that spoke to them at the Bankruptcy court? Equifax did not follow the law, the Fair Credit Reporting Act Section Under the Fair Credit Reporting Act Section 611 ( a ) 6 & 7 you are to provide me with your method of verification, I demand proof that you went through as listed above to include all the proper and logical steps that would have been necessary to verify/validate or refute my dispute. If not, you must delete the Bankruptcy from my credit report.

Please remove the Bankruptcy off my Equifax report because you did not follow the law and did not tell the truth about the validation/verification of the Bankruptcy on my report.

Company response to consumer: Closed with explanation