Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: VA
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 and all the other credit report agencies are all reporting differently, inaccuracies on the credit reports for my accounts that was " included in bankrupty discharged '' / '' discharged in bankruptcy '' on XX/XX/XXXX. I have been receiving credit alerts on the credit monitoring and today alert for EQUIFAX stated that my some of my accounts that were included in my discharged bankruptcy has been flagged ( Z ) as included in bankruptcy and it states potentialy negative activity. That is inaccurate and I received Equifax and the others reports, Equifax investigation and still is reporting inaccuracies on my credit report that is hurting my credit score and violating rights and Section violating the Fair Credit Reporting Act under 15 U.S.C. 1681 ( 3 ) ( E ) ; Section 602A ; Section 604 A Section 2 ; 15 U.S.C. 1681s-2 ( A ) ( 1 ). They did not do a fair investigation, according to 15 U.S.C 1681 and I am demanding that the attached Dispute letter requests are accurately reported/updated as instructed and or removal ; and I am demanding monetary relief. Attached is the granted Order of Discharge Bankruptcy under 11 U.S.C. Section 727 on XX/XX/XXXX for proof on my end. Also, attached is the alerts, credit report of XXXX from Equifax, and if this is not done immediately I plan to contact my lawyer and take this to Court to pursue a lawsuit against me. Demand Equifax to Review dispute letter sent to them dated XX/XX/XXXX attached as well. Attached is proof of the accounts pics that were discharged in the bankruptcy, attached is the picture of credit monitoring flagged alerts from Equifax stating they flagged my accts as included in bankrupty and that is inaccurate, attached is the credit report from XX/XX/XXXX, and other proof docs in support of my complaint. 
The Accounts that were included in my discharged bankrupty by the US Bankruptcy Court - XXXX are : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've requested for them to provide me proof from whatever vendor and it's name or lender/company that reported that XXXX had all the XXXX payments on or around that they listed under payment history/current late payments/current, stated if that can not be provided, remove off my credit report. One credit report reports the account cancelled by grantor/company and Equifax reports it as closed by grantor/company. That is still inaccurate as well. Unverified/no proof is granted to removal of the XXXX account immediately .

To add they won't allow me to call about my accounts on these and told me only to mail them because they're stating I can not use my ID and face verification that I used 3 times and went through again and have to mail them my social sec card and License. I already mailed them my License ID and a utility bill as all 3 credit bureaus state is allowed. I feel that they are treating me unfairly now due to these complaints and that is a violation as well. 

Thank You. 

XXXX XXXX

Company response to consumer: Closed with explanation