Consumer complaint received 2016-02-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Information that equifax deleted as a result of a CFPB investigation was added back to my credit report. This seems to be an ongoing trend that accuses every 60 days or so. Equifax has been complicit with XXXX XXXX XXXX XXXX Equifax has consistently allowed XXXX XXXX XXXX XXXX to update my credit profile for the past 8 years with inaccurate information regarding XXXX mortgage accounts included in a bankruptcy. I have sent them evidence which clearly shows that the information is inaccurate. XXXX XXXX XXXX XXXX is maliciously updating and providing inaccurate and erroneous information to the credit reporting agencies for accounts that were included in a bankruptcy. On XXXX XXXX, 2008, I filed for bankruptcy with the United States Bankruptcy Court of Maryland. In my XXXX 2008 petition to the court, XXXX XXXX XXXX XXXX mortgage accounts XXXX and XXXX were included. XXXX XXXX XXXX XXXX immediately closed the accounts and began reporting the bankruptcy to my credit profile as derogatory and/or negative in XXXX of 2008. Since 2008 to the present date ( more than 7 years later ), XXXX XXXX XXXX XXXX has modified, omitted and/or intentionally left the original date of first delinquency or pertinent information in order to align their reporting with the accounts current activity and status in order to report outside of the 7 year period and avoid complying with the FCRA statues as it relates to bankruptcy and the reporting of derogatory/adverse/or negative credit. XXXX XXXX XXXX XXXX is currently reporting the accounts as active and with a past due balance owed and/or outstanding. My discharge injunction is a permanent order, which strictly prohibits XXXX XXXX XXXX XXXX from continuing with collection efforts on the promissory notes once the bankruptcy court entered the final discharge. Because the debts were discharge in bankruptcy, XXXX XXXX XXXX XXXX is prohibited from reporting the debts as owed, active, late, delinquent or outstanding, charged off, having a balance due, converted as a new type of debt, re-aging it or giving it a new account number. This is exactly what XXXX XXXX XXXX XXXX is doing in order to continue to report on the accounts. XXXX XXXX XXXX XXXX should be reporting these accounts as having a zero balance, and discharged, " included in bankruptcy, '' or similar language indefinitely or until it is removed. I have never reaffirmed these accounts so I owe them XXXX. I have also asked XXXX XXXX to update accurately and/or remove the information only to have it removed, updated, `modified and reappear with XXXX of the XXXX credit bureaus in some way. XXXX XXXX is actively violating the provision of the FCRA that requires furnishers ( that is, creditors or XXXX that report to the credit reporting agencies ) from reporting incorrect information. 15 USC 1681s-2 ( a ) ( 1 ) ( A ). It is also a violation of the FCRA if the debtor notifies the creditor about the incorrect reporting, but the creditor does not correct and update it. 15 USC 1681s-2 ( a ) ( 2 ) ( b ). 

***The information was corrected on dispute case numbers XXXX and XXXX, but equifax continues to let them delete, add and modify the report to impact my credit negatively.

Company response to consumer: Closed with explanation