Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: NV
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: Investigation took more than 30 days

Complaint:
I sent XXXX to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally on XX/XX/XXXX. I also sent letters to XXXX, XXXX, and Equifax. I asked these four agencies how they were verifying a bankruptcy that is showing up on my credit report. I asked for them to also send proof of the verification. On the first letter they responded that they verify through PACERS. I then acquired a letter from the court and PACERS where they state that they do not verify information with credit reporting agencies. i sent these letters off and again asked for proof of verification. XXXX, XXXX, and Equifax just report that is was verified, but did not send how, and XXXX has never responded since my last letter in XXXX. I have attached the letter I have sent to XXXX and the credit bureaus below : XXXX XXXX [ XXXX XXXX ] XXXX XXXX ( XXXX minutes ago ) to XXXX Report Reference Number : XXXX ATTN : FACT Act Dispute Request I am challenging the validity of this alleged bankruptcy you have listed on my reports. I recently challenged this account with the credit bureaus, who said they verified it with XXXX XXXX. When I previously disputed with XXXX I was told you verified this alleged bankruptcy with PACER. I have attached an email from them and the courthouse stating they do not verify or have communication with ANY credit reporting agencies. 

I DEMAND that this unverified, per the Fair Credit Reporting Act, must be deleted from my file immediately especially since you lied about verifying this account through PACER. You violate my consumer rights by continuing to report such information, and legal action will be taken. 

Once the above information is deleted from my file, please notify me by mail or email. 

I have attached my driver 's license to verify my identity. To avoid confusion, my information is as follows : Full Name : XXXX XXXX Last XXXX of XXXX : XXXX CREDIT AGENCY LETTER : I am writing to dispute information regarding a bankruptcy on my credit report. On XXXX XXXX, I previously disputed XXXX XXXX bankruptcy XXXX with you, and in response, you verified the item as accurate, stating that you had verified the information with the court. 

However, I recently contacted the court and PACER and received the responses that are enclosed with this letter. As you can see, the court and PACER do not report to you, or any credit bureau, which means that your original response verifying the item with the court was either an error or a lie. 

The reporting of this record does not comply with FCRA 611 ( 15 U.S.C. 1681I ). Therefore, you must immediately delete this unverified record from my credit report. 

Your non-compliance with my request will also be construed as an absolute disregard of my consumer rights and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

I am sending this letter on my behalf, and I've included a copy of my ID to verify my identity. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation