Consumer complaint received 2025-06-01 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: GA

Complaint narrative:
I reached out to the Bureaus in the CFPB XX/XX/year> because I got a copy of my credit report and saw that the BUREAUS violated my rights under the FCRA. 607 - 15 U.S.C. 1681e ( 3 ) " Certain public record information. Except as otherwise provided in section 613 [ XXXX ], a consumer reporting agency shall not furnish an investigative consumer report that includes information that is a matter of public record and that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless the agency has verified the accuracy of the information during the XXXX period ending on the date on which the report is furnished '' The Bureaus never notified me of any public record nor how that information would affect me, nor did the bureaus even try to investigate this information because if the did they would see its not true. I tried to be understanding and reach out to them about inaccurate accounts and records on my Credit report. I asked the Bureaus to first investigate this problem they said it was accurate. I then asked them to tell me how they verified this information and who they spoke to. They replied they spoke with UNITED STATES BANKRUPTCY XXXX XXXX XXXX XXXX XXXX who, according to the bureaus letters, verified this information to them. However this information is not only INACCURATE but is also UNTRUE. Credit reporting agencies have the duty to report ONLY accurate and complete information on someone's credit profile because inaccurate, false, and incomplete information damages consumers ability to have proper representation. Being that the bureaus said they verified this false information I not only reached out to UNITED STATES BANKRUPTCY XXXX XXXX XXXXXXXX XXXX XXXX  but, I also got a copy of my XXXX, and went to the court records to see what information the Bureaus are reporting. The Court responded to me stating : " THE BANKRUPTCY COURT AND CLERKS OFFICE DO NOT PROVIDE INFORMATION TO CREDIT REPORTING AGENCIES '' XXXX Shows that the filling is FALSE but the Bureaus said its " verified and accurate ''. Furthermore the Courts Database isn't open to the public it can only be accessed by court personnel. This shows the Bureaus have willingly published FALSE, INACCURATE and adverse information that has damage my reputation and credit worthiness. I am including the information, letters, and reports attached to this complaint. I demand the the Bureaus delete any bankruptcy that's not verified by the courts nor the consumer and any account associated with this false information form my credit profile IMMEDIATELY. I also requesting that some action be taken against the bureaus because they should not say that information has been verified when it has not. In this case the bureaus claimed UNITED STATES BANKRUPTCY XXXX XXXX XXXX XXXX XXXX reported to them. That was a blatant lie and the courts letter will show that. Im not sure if this was a stalling tactic but it is past the XXXX mark for a proper investigation to be completed for a disputed item according to the FCRA. the bureaus furnishing this inaccurate information must take this down and any account associated Immediately!

Company response to consumer: Closed with explanation