Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. Bankruptcy filings are publicly available records. 

I have disputed this information with Equifax and they said it came back as verified. They verified this information from a third party called XXXX XXXX which is a violation of my rights I never agreed to have my information obtained or shared from a third party. 

15 U.S.C 1681 section 602. A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction The US bankruptcy court where my bankruptcy is housed stated they do not send this information to credit bureaus as this is a public record. the credit bureaus obtained this information from a third party called XXXX XXXX that obtained my information from pacer.gov Another third party that I also did not consent to I demand this be corrected immediately as this is affecting me from purchasing a home and has been affecting my like for years being denied multiple times for credit because of this false information that has. been reporting without my consent. I will also be forwarding a letter to credit bureaus from bankruptcy court that they do not report directly to the credit bureaus of a bankruptcy Rule 9037. Privacy Protection For Filings Made with the Court ( a ) Redacted Filings. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials; and ( 4 ) the last four digits of the financial-account number.

( b ) Exemptions From the Redaction Requirement. The redaction requirement does not apply to the following : ( 1 ) a financial-account number that identifies the property allegedly subject to forfeiture in a forfeiture proceeding ; ( 2 ) the record of an administrative or agency proceeding unless filed with a proof of claim ; ( 3 ) the official record of a state-court proceeding ; ( 4 ) the record of a court or tribunal, if that record was not subject to the redaction requirement when originally filed ; ( 5 ) a filing covered by subdivision ( c ) of this rule; and ( 6 ) a filing that is subject to 110 of the Code.

( c ) Filings Made Under Seal. The court may order that a filing be made under seal without redaction. The court may later unseal the filing or order the entity that made the filing to file a redacted version for the public record.

( d ) Protective Orders. For cause, the court may by order in a case under the Code : ( 1 ) require redaction of additional information; or ( 2 ) limit or prohibit a nonparty 's remote electronic access to a document filed with the court.

Company response to consumer: Closed with explanation