Consumer complaint received 2017-10-26
Company: EQUIFAX, INC.
State: VA
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 wanted to get a lower interest rate on my home, so I check my credit and seen that there was a derogatory listed as a bankruptcy. The listed item is entirely inaccurate and incomplete and represents a very serious error in EQ reporting so I disputed the error with EQ which I sent out on XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX, EQ sent me out a response stating they contacted a third party vendor to obtain the most recent status of the public record in regards to my dispute. In the results of EQ investigation, it list XXXX as the third party vendor used to obtain this information. Under " How I should read my dispute results '' EQ explains 3 different result items that can be stated in the results of my dispute, but neither is found. 
Instead it shows a different result item which is confusing and unclear, preventing me from properly understanding and reading my dispute results. It tells me the bankruptcy is currently reporting as discharged and to contact the listed item address for additional questions. 
A description of the procedure used to determine the accuracy and completeness of the information including contact details was requested from EQ on XXXX XXXX, XXXX. ALSO, in the same letter a copy of all documents bearing my signature giving consent to EQ, XXXX and anyone making the communication about me was simultaneously requested! 
On XXXX XXXX, XXXX a letter for verification was sent to the listed ITEM address, which they responded on XXXX/XXXX/XXXX stating I need to resolve my discrepancies with EQ AND I may wish to contact my attorney for further assistance. 
A letter was also sent out to XXXX after I check the listed website, of them explaining they do not match public record data with consumer credit file for EQ, and EQ performs this matching themselves. 
On XXXX, XXXX EQ sent a letter titled " IN REFERENCE TO YOUR QUESTION REGARDING THE INVESTIGATION PROCESS '' in response to my request for a description of the procedure used to determine the accuracy and completeness of the information. Which is unacceptable, inaccurate, incomplete and unclear on the description of the procedure they used. 
EQ also sent out the results of my dispute informing me that their investigation was completed on XXXX, XXXX. Under " HOW I SHOULD READ MY DISPUTE RESULTS '', EQ, list 3 different detailed result items which once again were not listed under " THE RESULTS OF OUR REINVESTIGATION '' conclusion. INSTEAD IT LISTED another unclear, confusing, inaccurate result regarding my dispute by stating " We have reviewed your concerns and our conclusions are : The disputed account XXXX is currently not reporting on the EQ credit file. '' When checking NUMEROUS CREDIT REPORTING SITES FOR EQ, in regards to THE BANKRUPTCY ITEM, It was still reporting inaccurate and incomplete which i have provided you proof. 
During the process of the first dispute sent out to EQ from XXXX XXXX, XXXX until now this item has still not been listed in a dispute status ...

Company response to consumer: Closed with explanation