Consumer complaint received 2024-11-27 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: LA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX SECOND NOTICE : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Public Record/Bankruptcy Reporting Request for Removal Dear Equifax Dispute Department , I am writing to formally dispute the inaccurate reporting of a public record ( bankruptcy ) on my Equifax credit report. After reviewing my report, I found that this public record is being reported inaccurately, which affects the accuracy of my credit file. I respectfully request that this item be REMOVED for failing to meet the Fair Credit Reporting Act ( FCRA ) pursuant to 15 USC 1681 requirements for accuracy, verifiability, and completeness. I have disputed this item multiple times with Equifax with supporting proof of claim but yet you still say it is ACCURATE information. 
Equifax has indicated that it obtained this bankruptcy information from XXXX XXXX XXXX. However, I have enclosed official documentation from XXXX AND THE UNITED STATES BANKRUTCY COURT that demonstrates the information being reported by XXXX is INACCURATE. This evidence clearly contradicts the information listed on my XXXX credit report, showing that the public record entry is incorrect. PLEASE REMOVE IMMEDIATELY The FCRA mandates that all information in a consumer report be accurate, verifiable, and complete. Pursuant to 15 USC 1681e Equifax is NOT maintaining accurate reporting. Given that the source documentation disproves the reported public record, I am requesting that Equifax remove this entry due to its inaccuracy and lack of verifiable evidence IMMEDIATELY. Additionally, Equifax DID NOT provide concrete proof to verify the accuracy of this public record, they only closed my investigation and stated it was accurate but did not send me ANY information showing where they got this information and who gave them permission to add it on my credit report. I ask that it be permanently deleted from my file. Penalties for violating the FCRA include : Fines of {$100.00} to {$1000.00}, Actual and punitive damages, Attorney fees, and Criminal charges. This is a Violation of my privacy rights pursuant to the Privacy Act of 1974. I was not given the right to Opt-Out of reporting this information to my consumer profile pursuant to 15 USC 6508 . As a federally protected consumer my rights have been violated.

Enclosed Documentation I have enclosed copies of official letters and court records. that serve as proof of the inaccuracies regarding this reported bankruptcy. Please consider this information as you conduct your investigation and verify the facts. Please make sure you investigate the documents in a timely manor. Equifax did not fix the issue for prior disputes nor acknowledge my proof of claim sent via certified mail, Tracking # XXXX, this number is the certified mail sent to Equifax on XX/XX/XXXX along with my proof to remove this inaccurate negative information, I the consumer have a right to dispute negative and inaccurate information reporting on my credit report. PLEASE REMOVE THIS FOR INACCURATE REPORTING. 
Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of this inaccurate public record from my credit file within 30 days. This correction is crucial to ensure that my report is fair, accurate, and reflective of my true financial history. DO NOT DISREGARD THIS LETTER AND MY OFFICIAL PROOF OF CLAIM FOR IMMEDIATE REMOVAL. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief