Consumer complaint received 2024-05-29 00:00:00
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.
State: WI

Complaint narrative:
I am writing AGAIN to formally request assistance and a reinvestigation of the Chapter XXXX bankruptcy currently listed on my credit report. Despite multiple attempts to resolve this issue through more than XXXX phone calls, online disputes, and certified letters, this erroneous information remains on my file. This situation has caused me significant distress and frustration. I am an educated consumer and under the Fair Credit Reporting Act ( FCRA ) and the regulations of the Consumer Financial Protection Bureau ( CFPB ), I am entitled to a credit report that is both accurate and private. 

Specifically, under 15 U.S.C. 1681i, Equifax is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Additionally, 15 U.S.C. 1681e ( b ) mandates that Equifax must follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. Equifax sent a computer generated communication indicating that " the company that reported the information has 'verified ' to Equifax that the information is accurate '' is not truthful nor accurate. As I understand FCRA and CFPB, laws and regulations, I am entitled to a verified written process that clearly details how the information on my credit report was verified as accurate. NO PROOF OF PROCESS HAS BEEN PROVIDED TO ME only computer-generated letters. The Chapter XXXX bankruptcy information on my report has not been provided by the XXXX XXXX XXXX  XXXX XXXX XXXX nor do they ever VALIDATE OR VERIFY confidential and personal information. Enclosed, please find documentation supporting this claim. It is imperative that this inaccurate information, along with all associated accounts, be removed immediately from my credit report. Equifax needs to provide me with copies of all documentation associated with this PUBLC RECORD ACCOUNT bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the laws and guidelines, all the information listed under PUBLIC RECORDS needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the FAIR CREDIT REPORTING ACT 623 ( a ) ( 3 ). This continued inaccuracy is unacceptable, and I am prepared to escalate this matter. If all accounts tied to the Chapter XXXX bankruptcy and any related information are not expeditiously removed from my credit file, I will have no choice but to consider litigation. I seek prompt and complete removal of this erroneous information to rectify this issue and prevent further harm to my credit standing. Please provide written confirmation once the deletions have been completed.

Company response to consumer: Closed with explanation