Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Re : Credit Reporting Agency Forgery of a Furnisher whos not participating I know that credit reporting agencies supposed to report only 100 % maximum accuracy items. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. I called the courts in my state, and they stated the dont report anything as the furnisher so you guys are committing forgery fraud and will be reported to the authorities for that. Let me clearly break this down to you. What is a data furnisher? Data Furnisher- A data furnisher is an entity that reports information about consumers to consumer reporting agencies ( CRAs ), which may include credit bureaus, tenant screening companies, check verification services, medical information services, etc. What is a furnisher responsible for? A furnisher provides data relating to a consumer, including their credit history and details relating to their previous tenancies or debt. Furnishers are required to abide by regulations for reporting data defined in the Fair Credit Reporting Act ( FRCA ) What is an example of a data furnisher? Examples of furnishers include banks, thrifts, credit unions, savings and loan institutions, mortgage lenders, credit card issuers, collection agencies, retail installment lenders, and auto finance lenders -- basically anyone that reports information to the CRAs. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Under 15 U.S. Code 1681s2 I disputed this many times and the furnisher which is the Bankruptcy court never reached out to me because clearly, they dont report it and I called to dispute it with them they say its nothing to dispute because they dont deal with the credit reporting agencies so thats another lie you guys told so how can you say something is accurate when you cant directly communicate with the source. 15 U.S. Code 1681i ( 2 ) ( A ) - ( 2 ) PROMPT notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. Under 15 U.S. Code 1681i ( 2 ) ( A ) The furnisher again should receive notice of dispute and the account must be notated on the credit report by furnisher that its being disputed but you guys forged the bankruptcy court name on my report and expect me to not notice this fraudulent activity. I demand you to remove this item asap from my credit report and expect litigation paperwork because you are under fire for a criminal act of forgery. XXXX  XXXX bankruptcy filing Docket Number XXXX This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report Thank you for your time and help in this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation