Consumer complaint received 2023-08-16
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 is obligated by the FCRA to report accurate accounting. I/ME/the consumer advised multiple times that ALL the inquiries reported were fraud and said the company had the lawful amount of time to remove such items. I have reported XXXX XXXX  XXXX Accounts and I see an entry listing a Bankruptcy I do not have a Bankruptcy. According to the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 2 ) ( B ), it is required that credit bureaus verify the full social security numbers and dates of birth from the courts before reporting public information such as bankruptcies, evictions and/or criminal histories. However, the Privacy Act of 1974 and the XXXX XXXX of XXXX XXXX XXXX prohibit the courts from reporting the full social security numbers and dates of birth on all publicly available court records. As a result, any bankruptcy written is unverifiable and violates federal and state law, as stated above. A Bankruptcy filing is public information and UNITED STATES BANKRUPTCY COURT does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. This violates my rights under the FCRA therefore, I request that bankruptcy reporting be removed from my credit reports immediately. HOW can you VERIFY such INFORMATION when you can not legally access the information? An FTC fraud report was filed by ME the consumer and I had reported ALL INQUIRIES reported as FRAUD and I am now requesting Equifax to provideall documentation used to determine each inquiry was indeed authorized by ME the consumer. I am requesting the name of whom Equifax spoke with, the documentation used, and the wet ink signature of such contracts with XXXX  XXXX. I AM NOT ASKING FOR THE XXXX  REPORT. IF Equifax does not have documentation to show these were in fact authorized by ME they must be removed. XXXX company is liable to follow SEC rules and regulations. 
Equifax commission file number XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I will be filling XXXX Treasury XXXX forms to audit consumer account- Equifax is securitizing consumer data yet refuses to provide consumer file NOT CONSUMER REPORT Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt will result in a small claims action against your company. You will be required to appear in a court venue local to me, in order to formally defend yourself. 
I am seeking { {$5000.00} } in damages for : XXXX. Defamation XXXX. Negligent Enablement of Identity Fraud XXXX. Violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation