Consumer complaint received 2019-06-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have contacted by mail Equifax 6 times since XX/XX/XXXX. The dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. I disputed ( 2 ) Public Records on my credit report as inaccurate information. XX/XX/XXXX Report # XXXX  ( see attached ) the name of the courthouse is displayed a US Marshall. Equifax failed to investigate my claim. Instead, they updated my report with a completely different name of a new courthouse which is clearly a violation of FCRA The items should have been deleted. I have sent in letters ( see attached ) to ask Equifax to send me a aethod of verification for which the items in dispute are verified. I received copies of several credit reports stating " Verified ''. The law was clearly violated.

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records.

Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U. S. Bankruptcy Courts confirmed Equifax Credit Bureau has never validated or verified these public record entries on my credit report the date on the credit report is XX/XX/XXXX, neither will they ever be by them.

They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. I have attached a copy of credit reporting letter from U.S. Bankruptcy court.Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Lastly, on all my credit reports from Equifax it has reported by XXXX XXXX on my reports. I have a letter confirming that Lexis Nexis is not reporting any public records in my name. I am concern that Equifax have constantly ignored any attempts to investigate my dispute. XXXX XXXX have reached out to Equifax as well on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to see why my account has not been updated since XX/XX/XXXX. I spoke to a account Rep named XXXX he gave me the ticket # XXXX XXXX XXXX sent on my behalf to Equifax. My information was sent by XXXX XXXX to Equifax electronically yet they have denied ever receiving any information. My credit reporting under my social security number need to be 100 % accurate. Anything less is subject to a deletion. Equifax have ignored my several attempts to correct my information. I am inquiring your help.

Company response to consumer: Closed with explanation