Consumer complaint received 2024-06-16 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: WA

Complaint narrative:
Equifax has reported that the bankruptcy is reporting correctly on my consumer credit report. I did not give Equifax any permissible purpose to report my private and federally protected information on any report. 15 U.S. Code 1681b - Permissible purposes of consumer reports. In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. The bankruptcy courts have sent me a letter stating the XXXX XXXX XXXXXXXX does not share personal information with any consumer credit reporting agencies and I have provided the letter from the XXXX XXXX XXXX XXXXXXXX in support of this. Equifax is in violation of my consumer rights. 
This federally protected law also falls to the USC Codes which Equifax is now committing a crime pursuant to 18 U.S. Code 8 - Obligation or other security of the United States defined - The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

Equifax reporting any debt is a criminal offense and I intend to use every part of law enforcement to pursue criminal charges. 



Here is a copy of there response : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : PLEASE BE ADVISED EQUIFAX NO LONGER REPORTS JUDGMENTS OR LIENS ON THE EQUIFAX CREDIT FILE. Trade : STATE OF XXXXXXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : STATE OF XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Public Record : Bankruptcy EQUIFAX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ADDITIONAL INFORMATION NON REPORTING DISPUTES Trade : TOTALLY THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on XXXX

Company response to consumer: Closed with explanation