Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I obtained a reinvestigation report dated XX/XX/XXXX Confirmation # XXXX, from Equifax and there is still a Bankruptcy Court item listed.

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report.

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

I also asked your bureau to provide me with the description of the reinvestigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure.

A consumer reporting agency shall provide a consumer with a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Equifax indicated that the public record was obtained by a third-party vendor XXXX. XXXX sent me a letter stating that the Bankruptcy item was removed on XX/XX/XXXX Case # XXXX, so how is their reinvestigation valid? 

In addition, The Bankruptcy Courts sent me a letter, which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Bankruptcy Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

According to 15 USC 1681i ( 5 ) it states this ( 5 ) treatment of inaccurate or unverifiable information.

( A ) In general, If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The information is, in fact, inaccurate. 

Equifax is breaking all aforementioned laws. 

I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation 2 ) Negligent Enhancement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. 

Again, I am demanding that Equifax deletes this Bankruptcy Court immediately because of violations 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) and 15 USC 1681e ( b ).