Consumer complaint received 2016-12-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
i have recently received a copy of my credit report, after looking it over I have discovered a Chapter XXXX Bankruptcy on my report. I contact the US Bankruptcy court and asked on there procedures reporting to the credit bureaus. They replied a said they do not report to the credit bureaus. Upon that letter from the court, I called Equifax and they told me they send a 3rd party agency to collect this information. I showed them proof of what the courts said and I asked Equifax to send me validation of this Bankruptcy. To no avail they sent me verification from XXXX, but still no VALIDATION BEARING MY SIGNATURE. I 'm requesting this information from Equifax. This is my final letter to resolve this matter or I will have no choice to file a law suit against Equifax. 
Precedent/Law FineCreditors if they report your credit history inaccurately Defamation, financial injuryUS Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX XXXX of damages incurred by the wronged party as deemed by the courtsCreditors, if you dispute a debt, and they fail to report it as disputed to the credit bureaus Protection under the FCRA FCRASection 623. $ XXXXCreditors if they pull your credit file without permissible purpose Injury to your credit report and credit score FCRA Section 604 ( A ) ( 3 ) $ XXXXCredit bureaus if they refuse to correct information after being provided proof Defamation, willful injury FCRA Section XXXX, v. XXXX XXXX XXXX US Court of Appeals for the XXXX Circuit Court Case XXXX XXXX XXXXXX/XX/XXXX, Filed ( XXXX No. XXXX ) .Extent of damages incurred by the wronged party, as deemed by the courtsCredit bureaus if they reinsert a removed item from your credit report without notifying you in writing within 5 business days. Consumer protection afforded by the FCRA FCRA Part ( A ) ( 5 ) ( B ) ( ii ) $ XXXXCredit bureaus if they fail to respond to your written disputes within 30 days ( a 15 day extension may be granted if they receive information from the creditor within the first 30 days ) Consumer protection afforded by the FCRA FCRA Section 611 Part ( A ) ( XXXX ) $ XXXXCollection Agency can NOT be BOTHpurchaser and 'assignee'it 's one or the other Protection under the FDCPA Gearing v. Check Brokerage XXXX XXXX XXXX ( XXXX Cir. XXXX ) $ XXXXMisrepresentations by the collector aboutthemselves or the debtare actionable regardlessof intent Protection under the FDCPA XXXX v. XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX. XXXX, XXXX ( XXXX XXXX XXXX ) $ XXXXCreditors or collection agencies, and credit bureaus if they try and?? Re-age? your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer Consumer protection afforded by the FCRA FCRA Section 605 ( c ) Running of the reporting period $ XXXXIf you dispute a debt, the collection agency fails to report it disputed to the credit bureaus Protection under the FDCPA FDCPASection 807 ( 8 ) $ XXXXCollection agencies if they do not validate your debt yet continue to pursue collection activity ( file for judgments, call or write you ) Consumer protection afforded by the FDCPA FDCPASection 809 ( b ), FTC opinion letter Cass from XXXX $ XXXXCollection agencies if you have sent them a cease and desist letter and they still call you Consumer protection afforded by the FDCPA FDCPASection 805 ( c ) $ XXXXCollection agencies if they have not validated your debt and they still continue to report to the credit bureaus Consumer protection afforded by the FDCPA FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX $ XXXXCollection agencies if they : - Cash a post-dated check before the date on the check- Cost you money by making you accept collect calls or COD mail- Take or threaten to take any personal property without a judgment Consumer protection afforded by the FDCPA FDCPA 808 Section {$1000.00},

Company response to consumer: Closed with explanation