Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: IL
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:
This is not a duplicate complaint and this complaint due to the ne evidence that I have generated from legal sources. Please note, I'm representing myself with no third party and I know my rights very well, I been turned down by Equifax Credit Bureau to do fair investigation regarding Public record on my report, I have sent letters trying to get correct information and verifiable information from XXXX but it turns out being refused or ignored. I have sent dispute to Equifax before and THIS PUBLIC RECORD WAS DELETED. IT WAS DELETED on XX/XX/2022, I pulled up my report from XXXX XXXX  and I saw that Equifax DELETED XXXX  Record from my report. But on XX/XX/XXXX, I was completely shocked when I SAW this record back on my report, so I made a phone call to the Equifax immediately. Firs I spoke with representative XXXX XXXX and he confirmed that they deleted this record from my report, but he wasn't be able to tell me why and how within two weeks the record reinserted. They never sent me any notification regarding to reinsert, even thou there is a law about 5 days of reinserting. HOW THEY COUD REINSERTED SUCH a RECORD??? They completely violated the FCRA LAW. I have requested to speck with supervisor ( overall They KEPT ME ON A PHONE 1 hour 56 minutes ), supervisor XXXX XXXX also said : YES I SEE THE RECORD THAT WE REMOVED THIS XXXX XXXX XXXX  but it doesn't mean anything, after my clear explanation how much they violated the law he agreed and he said that it doesn't mean anything that we deleted, it was just deleted, but we didn't deleted. That kind of explanation I have got from him. How??? I'm shocked. All my arguments. facts and proof made him to say nothing but sorry. He had to transfer me to another department and they placed me back and forth on a hold numerous times. I request to speck with that special department but he said i'm not allowed. So his conclusion was that I HAVE TO GO TO THE COURT AND MADE COURT TO CONTACT EQUIFAC  DIRECTLY AND TRY TO VERIFY THIS INFORMATION. HOW COURT CAN CONTACT CREDIT BUREAUS????? They NEVER DO SUCH A THING. Obviously, they really violated the law and my rights and refused to correct their blunder. Emotionally I was completely down and felt hopeless, I couldn't believe to my own ears how Equifax can disobey the law. 
So, XX/XX/2022, I went to the courthouse asking do the report XXXX  to the credit bureaus and I got a letter stating : They DO NOT REPORT any bankruptcies to anybody So If this the case. How did the credit bureaus verify my XXXX  as 100 % Accurate?? They never did a fair investigation according to the 15 USC 1681. I have attached here all supportive documents for my statement : letter to the court and letter that I received from them at the same day by written by clerk of courthouse. 
15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

According to : 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 instructions.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I'm sending this as well to Attorney General.

Company response to consumer: Closed with explanation