Consumer complaint received 2018-10-29
Company: EQUIFAX, INC.
State: DE
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:
I've contacted Equifax on XX/XX/XXXX, XX/XX/XXXX and today, XX/XX/XXXX. The company is misreporting an old mortgage account that was included in my Chapter XXXX bankruptcy back in XX/XX/XXXX. This is now my 3rd request to have it removed and they keep saying that it's being reported accurately. This was also on XXXX and XXXX  but they removed it because they were able to see that it was indeed included in my bankruptcy. 

Please see my letter that I've sent to their agency below and other supporting documents. 

Also because of this misinformation they are not allowing me to view my reports online and have not resolved this problem. 

I immediately want this fixed as I am in the process of trying to secure my XXXX XXXX that has been on order for 2 1/2 years. I can not get financing with this misinformation and request that this account since it's 7 years old be also completely stricken from my reports. Should it not be removed, I will be suing because of the damages I've obtained. 

XX/XX/XXXX EQUIFAX Attn : EXPEDITED CREDIT DISPUTE PROCESSING RE : XXXX, XXXX XXXX, XXXX To Whom It May Concern : I am writing to dispute Loan # XXXX that your company keeps reporting on my credit report after speaking with your representative XXXX who confirmed with his supervisor Mr. XXXX today, XX/XX/XXXX. I have included all requested items and am requesting IMMEDIATE assistance in removing these accounts from my credit reports, profiles, etc. Please note, XXXX XXXX XXXX XXXX ( XXXX ) is violated bankruptcy laws by continuing to report this to the three credit bureau agencies and I will seek legal recourse and punitive damages if this is not immediately resolved since this keeps happening as this is now the 6th occurrence and has directly prevented me from being approved for credit. 

I recently was successfully in having it removed from XXXX  and XXXX however Equifax has not yet removed this item but have been denied credit because of this and am REQUESTING THAT YOU PERMANENTLY REMOVE THIS OFF ALL MY RECORDS. Since I can not get a copy of my credit report, I printed off what I see on XXXX XXXX, exhibit A and highlighted where I can see that your company is reporting this mortgage that I have not been responsible for since I filed bankruptcy in XX/XX/XXXX. 

I formerly acquired a mortgage with my XXXX XXXX XXXX in XXXX. We were subsequently divorced on XX/XX/XXXX in which she was awarded the property at XXXX XXXX XXXX XXXX, XXXX, XXXX and required to assume the mortgage, line of credit and property taxes against the property [ See the included Divorce Decree, Exhibit D ]. She stopped paying the mortgage back in XXXX and XXXX and after trying to work with XXXX in getting this off my credit report back then, I had no choice but to file Chapter XXXX Bankruptcy to protect myself from your company collecting money from me for a house I have no legal rights to [ SEE EXHIBITS B and C for BANKRUPTCY DECLARATIONS AND APPLICATION WHICH INCLUDES ALL DEBTS ]. 

I believe my ex-wife must have filed for bankruptcy and must have reaffirmed this mortgage around sometime in XXXX. If she did reaffirmed the loan she did this independently of me and did so without my legal permission and consent. Even still, this does not authorize your company to report this debt on my credit report since it was included in my XX/XX/XXXX Chapter XXXX bankruptcy. Further this debt is now 8 years old and should be completely eliminated off my credit entirely with all 3 bureaus. 

Please remove this immediately and contact me with any concerns. I am supposed to be getting a car loan before XX/XX/XXXX and can not do this because your reporting is seriously impacting my debt-to-income ratio. 

Respectfully, XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX  XXXX XXXX cell, XXXX work cell XXXX Exhibits : A XXXX XXXX Report in lieu of Equifax Credit Report, B Discharge of Debtor, C Voluntary Petition for Bankruptcy, D Divorce Decree

Company response to consumer: Closed with explanation