Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: WI
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent in a dispute in regards to a Bankruptcy showing with XXXX, XXXX, and Equifax. In addition, I was disputing 2 inquiries unauthorized by me on XXXX  along with the bankruptcy. I also requested the method of verification that was taken to place this bankruptcy on my report. To date, I have gotten NO response from either of these companies. There are several issues with the bankruptcy that is being reported with each of these companies. For starters there are errors with the " reference number '', file date, closing date, amount XXXX why is it reporting {$0.00} if it's a bankruptcy ), and lastly the court that is listed. All of theses pieces of information are crucial and it is UNACCEPTABLE that each agency is reporting NOT just one but MULTIPLE ERRORS. I have a attached a copy of the errors highlighted. Secondly, agencies are supposed to verify with the ORIGINAL source for all items listed on a credit report. Per the copies of my consumer reports, I obtained from each bureau, each are stating the Chapter XXXX bankruptcy was filed with the US Bankruptcy Court. I reached out to the Bankruptcy court to inquire if they verified this item and to my surprise, I have written correspondence from the clerk of court XXXX XXXX XXXX at the United States Bankruptcy Court Eastern District of Wisconsin stating that their court " does NOT report information to ANY credit agency ''. So where was it verified/ How was this information obtained and LEGALLY placed on my report? Because as stated in my multiple letters, I have NOT given any credit agency or third party publishing companies consent or permission to obtain, house, or report any personal information pertaining to myself including public records. Thirdly, XXXX, XXXX, and Equifax have violated my rights under the Fair Credit Reporting Act and need to be held accountable ... .. 

Violation of my rights are as followed : 1. [ 15 U.S.C. 1681 ] 602 ( 4 ) which states there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumers rights to privacy. -- - Each company has failed to report ACCURATE information and has also violated my right as a consumer to privacy and confidentiality.

2. 611 [ 15 U.S.C. 1681i ] which states credit reporting agencies must complete an investigation within 45 days. -- - It is imperative that CRA respond within a reasonable timeframe, to date it has been almost 56 days, which is unacceptable. I tried to be understanding and extend some additional days but this is hurting my credit report as a consumer and my chances of obtaining credit in the midst of a world wide pandemic. 

3. FCRA Section 623 ( a ) ( 1 ) ( C ) which states It is illegal to report information that you know or believe is inaccurate and you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate.

4. 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates 5. 15 U.S.C. 1681 Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. -- Reporting inaccurate information directly goes against the Emergency Banking Act of 1933. Banks are dependent upon accurate information as stated above, which makes the reporting of these error even more ludicrous and astounding.

Company response to consumer: Closed with explanation