Consumer complaint received 2018-04-12
Company: EQUIFAX, INC.
State: CA
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 am filing this complaint with CFPB to ask for help in disputing the method of verification used by Equifax, XXXX XXXX and XXXX credit reporting agencies. As a dispute was filed on XX/XX/XXXX regarding a public record [ Chapter XXXX Bankruptcy # XXXX ] that appears on my credit report that does not belong to me. 

The above mentioned item has been in dispute for the past three months and yet the three agencies ( Equifax, XXXX XXXX, and XXXX ) have not provided adequate proof nor validated the method they used to verify the accuracy of the item in dispute. They have treated this like a standard complaint, as if to say " We get these types of complaints all of the time '' They have made a grave error in ignoring my dispute, as this is my final attempt to resolve this issue before I file suit against these agencies. 
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I have been greatly affected by this notation on my credit report. I have been declined credit, I have been declined prime interest rates, as well as denied a XXXX XXXX line of credit for my business due to this erroneous item. ( Ch. XXXX BK ). 

In their letters, Equifax, XXXX XXXX and XXXX wrote : " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. '' My rights are protected Under the Fair Credit Reporting Act of 1970. " According to federal law consumer reporting agencies bare grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. '' ( see attached dispute letter dated XX/XX/XXXX outlining this fact ). 

Apparently the credit reporting agencies are ignoring my right to dispute inaccurate information. Because Equifax, XXXX XXXX and XXXX were not willing to cooperate and provide proof of validation, I wrote to the US Bankruptcy Court, XXXX, CA Superior Court, requesting that they provide an explanation of their reporting and verification process. 

To my surprise, I received written correspondence from the courts with explicit language stating that they do not verify, report nor provide any method of validating or verifying information submitted by the three credit reporting agencies or any other agencies. Therefore, how can Equifax, XXXX XXXX, and XXXX  claim to have received CERTIFIED verification from the US Bankruptcy Courts if they do not verify or report information??? Contrary to what they have noted in each of their letters to me claiming proof of accuracy. For this reason alone, and under Section 611 ( 5 ) ( A ) I DEMAND that Equifax, XXXX XXXX, and XXXX promptly remove the item from my credit report since they have been unable to verify it. nor provide adequate proof validating that the public record belongs to me. 

And to add insult to injury, I received correspondence from XXXX regarding my dispute of the Chapter XXXX Bankruptcy, but to my surprise, the items reference in their letter addressed to me " DID NOT BELONG TO ME '' these items were inserted in the letter addressed to me, but were someone else 's accounts. ( please see 001.jpg attached as proof of the bureaus incompetence to maintain accuracy within their agency ). 

I would greatly appreciate your assistance in helping me to carry out this request and bring this dispute to a positive resolution. I have attached proof of my dispute with this complaint to CFPB.GOV. Thank you for assisting me with this matter. 

Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation