Consumer complaint received 2018-09-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed a Chapter XXXX bankruptcy on my account with Equifax several times starting in XX/XX/2018 XX/XX/2018 and XX/XX/2018. I've asked them to verify and to reinvestigate this inaccurate tradeline on my credit report. Each time they've responded as it is verified. I requested verification of who they've spoke with, contact information of who verified and who was the original creditor and have not received any real evidence of this act. Equifax is not reporting 100 % accurately that this negative tradeline is mine. Each time they list a third party Credit Reporting Agency XXXX XXXX as the furnisher of this negative report. They are Violating FCRA laws by not reporting this information 100 % accurately. I sent a request to the Bankruptcy Court requesting of how they furnish or report this information and they stated that they do not report any information to any third party. I've enclosed the letter from the Courts, as well as the three dispute letters sent to Equifax and they're response. If they are getting this incorrect information from XXXX XXXX, why does my credit report shows the Bankruptcy Court as the furnisher and Not XXXX XXXX, furthermore why is the Court Stating that they don't report any information to any third party, but Equifax is allowed to do so using third parties as the furnisher, without any regard for the FCRA laws. I have frozen my report with XXXX XXXX and other Data Mining Companies as well as having it suppressed. I've included Letters from XXXX XXXX verifying the freeze dated XX/XX/2018 and Suppression of my file XX/XX/2018. I sent the 3rd dispute letter on XX/XX/2018 certified mail with an electronic receipt signed for by an Equifax representative on XX/XX/2018, see attachments.

A couple of days later I received a response from Equifax dated XX/XX/2018 verifying that the negative trade line was verified. An XXXX   computerized system used to verify, is not an accurate way to verify, especially if they are not checking with the Bankruptcy court. This adverse action is hurting me and preventing me from receiving the credit that I've worked hard to build over time, affecting my ability to get new credit. This negative tradeline is incorrect, they are Violating the FCRA laws. I want this negative trade line removed from my credit report. I am asking the CFPB to review all evidence that I've attached and enforce the federal laws that apply. I am wondering how is Equifax able to verify my information with XXXX XXXX if it is Frozen. They are not a Creditor or Collection Agency, or are they law enforcement that are by law able to see my report. I've added a copy of the Georgia Statement of Rights -- -I believe that Equifax is purposely violating this law, which is harming my Credit File and causing financial harm. I am pleading to the CFPB, for it's help in enforcing Consumer Laws. If this matter is not resolved with this complaint, I may have no choice but to Pursue Legal Actions Against Equifax for damages allowed for by the Credit Consumer Laws and the State of Georgia.

Company response to consumer: Closed with explanation