Consumer complaint received 2021-04-11
Company: EQUIFAX, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
I am being harmed by the 3 credit bureaus Equifax, XXXX, and XXXX. They are reporting 2 dismissed bankruptcies on my credit profiles that legally they shouldnt even be reporting. I have high hopes that Equifax and XXXX will remove the reportings from my profile seeing as how the 3rd party agency they use to find information wether frivolous or true XXXX XXXX has deleted the dismissed bankruptcy they somehow decided was mines off of their report, but XXXX is using their own personal firm that I am assuming is XXXX to furnish data about consumers to report to XXXX, but XXXX is acting as if they arent a 3rd party reporting agency so that they can try to bypass abiding by the law! According to LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681c 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. It says absolutely nothing about dismissed bankruptcies being able to legally be reported on a consumers credit profile. As a matter of your company even states that If you filed for bankruptcy protection under Chapters 7, 11, 12, or 13 of the Bankruptcy Code, that information will remain in your credit report up to 10 years from the date of entry of the order for relief or the date of adjudication. If a bankruptcy is dismissed there is no date of entry of the order of relief l, or the date of adjudication. It is like it never existed in the eyes of the law, so why is it legal for the credit bureaus to disregard what the law states pertaining to information they allow to be reflected on consumer profile reports. Equifax on XXXX initiated my dispute of the bankruptcy and on XXXX they closed their investigation and the bankruptcy remained on my credit profile. On XXXX I initiated another dispute about the same dismissed bankruptcy on my credit profile. Its still under investigation as of today. XXXX in XXXX of 2021 also refused to remove this illegal reporting off my credit profile. On XXXX XXXX I disputed once again the illegal reporting and it is currently under another investigationXXXX XXXX keeps giving me the run around and whenever I ask for the method of verification they lie and say the United States Bankruptcy Court of the XXXX XXXX of Texas directly provided them this information, when I let them know this is false because I have a letter from that bankruptcy court stating they dont report to credit bureaus they say well this is whats in their system. I then ask to speak with supervisors who tell me something totally different, that they have a firm verify bankruptcies for them but refuse to give me the name of the company thats giving them false information. I found they no longer use XXXX XXXX and use XXXX, but XXXX states they give/sell info to XXXX ( which is illegal to sell consumer information ) and XXXX not them matches it however they feel to peoples credit profiles. Ive also been hung up on by supervisors and disputes that were supposed to be initiated never were. Im currently awaiting a response from your company because XXXX  is showing me that they do not care about not breaking the law.

Company response to consumer: Closed with explanation