Consumer complaint received 2019-07-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Between XX/XX/XXXX -till today XX/XX/XXXX, i have been trying to dispute a damaging report on my credit information through XXXX , XXXX and Equifax Equifax Credit Information Services , LLC XXXX. XXXX  XXXX XXXX, GA XXXX This is in regards to The Chapter XXXX Bankruptcy information that is been reported on my credit report as " CLOSED/DISMISSED ''. 
As of Last year XXXX Equifax decided to remove/deleted this information from my credit after i called to make the dispute over the phone by a credit representative from Equifax. Apparently this bankruptcy was filled in error while i was still on bed rest due to complication during my last XXXX of which my daughter was delivered prematurely back in XX/XX/XXXX. Only to find out that it was placed on my account within 10-15 days of the deletion without my knowledge. However i tried so many times to ask for the deletion of this negative information from my credit by writing the three credit bureau this letter below : - But all effort was is not fruitful because the method of verification claimed by Equifax, XXXX  and XXXX  is not valid in anyway. Attached is the copies of the letter sent to the three credit bureau. 
XXXX refused to investigate the two XXXX XXXX XXXX charge off status placed on my credit, claiming that the have disputed it several times and they will no longer investigate because they are not required to do that. This is quite unfair and i can no longer get the consumer services and product that i deserve due to this situation. I was also unable to secure a student loan because of this situation. 

To Whom It May Concern : This letter is in response to your recent claim that US BANKRUPTCY COURT-XXXX, has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response, or XXXX verification is unacceptable. I am requesting a re-investigation AND your method of verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation