Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

am writing you about an entry listed on my credit report which I have tried to have removed. Apparently someone with a similar name to mine filed bankruptcy in the XXXX District of Georgia and it appeared on my credit report. Through the dispute system I recently filed a dispute stating that someone with a similar name had filed this public record and it was not mine. Unfortunately it came back verified and is still listed on my credit report. For the following actions taken and the reasons below this public record should be deleted immediately : 1. Contacted the XXXX District of Georgia Bankruptcy Court and received the following response- The Bankruptcy Clerk 's Office does not provide information to credit reporting agencies, all information is obtained via a 3rd party. Pursuant to both Federal Statue and the Federal Rules of Bankruptcy only the last 4 digits of a debtors social security number along with their name and address can be released. In order to obtain a debtors full social security number, a third party must file a motion to unseal documents related to a case. 
2. Contacted XXXX ( 3rd party data furnisher ) and received the following response-Your information is suppressed with XXXX from public records data. Therefore, XXXX cant confirm your information with any credit reporting agencies. 
3. I have never lived at the address associated with this bankruptcy record. 
Being that XXXX  District of Georgia Bankruptcy Court does not provide information to credit reporting agencies, XXXX stating that my information has been suppressed for years, and never living at the bankruptcy address how could this error occur on my credit report? So, I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to verify and investigate my aforementioned dispute. 
Equifax stated in my dispute results that the company that reported the information has certified to Equifax that the information is accurate. I called Equifax and the rep told me that the company is XXXX. According to the FCRA Equifax must verify with the original creditor which would be the Bankruptcy Court of Georgia which you all did not do because they dont release any information to credit reporting agencies. Secondly, my information with XXXX is suppressed and neither is XXXX the original creditor. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with XXXX  District of Georgia Bankruptcy Court and XXXX. Please include all names and contact information of employees that you spoke to as part of this investigation. Additionally, please show documentation or proof that includes my name, correct address, date of birth and full 9 digit SSN # attached to this public record bankruptcy. 
If the above information cant be provided in 30 days under my rights of the FCRA then Equifax has the duty to delete the public record-Bankruptcy immediately. FCRA clearly states that consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, within 30 days. 

Thanks, Ms. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX