Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Last 4 of SSN. # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference Number : XXXX Subject : DISPUTE AND rEQUEST FOR iNVESTIGATION OF eRRONEOUS iNFORMATION ON cONSUMER rEPORT Dear, XXXX XXXX XXXX XXXX am writing to express my deep concern regarding the accuracy of the information on consumer report, as provided by your agency. Upon reviewing the recent credit report, i have identified the presence of a XXXX  XXXX Bankruptcy entry, as well as XXXX other erroneous accounts that were included in a XXXX  XXXX Bankruptcy filing. 
That your company responded validated, when requested for verification, XX/XX/XXXX. These inaccuracies are both misleading and dAMAGING to rEPUTATION. The aCCOUNTS lISTED oN tHE cREDIT rEPORT wERE iNCLUDED aND dISCHARGED wITH BANKRUPTCY. 
I am providing you with a list of those accounts, along with their respective account numbers, and a copy of the bankruptcy application where they were listed. It is imperative that the credit report accurately reflects the discharge of these accounts and shows a XXXX balance. 
List of Accounts Included in Bankruptcy : XXXX. XXXX XXXX XXXX : - [ Account : XXXX ] XXXX. XXXX  XXXX XXXX : - [ Account : XXXX As a consumer, I am aware of the rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681 ( a ) ( 1 ), which emphasizes the importance of fair and accurate consumer reporting in maintaining the integrity of the banking system. 
Pursuant to 15 USC 1681b, I am formally requesting in writing the documentation that demonstrates my written instruction or permission for the reporting of this inaccurate information, Bankruptcy Court is the entity who your agency verified furnished this information to your agency, DO NOT REPORT to any of the consumer agencies, XXXX, XXXX nor Equifax. So where did your agency get this information? 
It is my belief that the inclusion of this inaccurate information has not only damaged my creditworthiness but has also defamed my character, reputation, standing, capacity, and mode of livingall of which are direct violations of 15 USC 1681. 
Furthermore, I assert that the unauthorized reporting of such information constitutes Aggravated Identity Theft, as defined under 18 USC 1028b ( 1 ) ( A ) ( ii ). 

I am formally demanding compensation for each violation of my rights as a consumer under 15 USC 1681 ( n ), as follows : Permissible purpose violation : {$1000.00} Defamation of character : {$1000.00} Damaged reputation : {$1000.00} Damaged creditworthiness : {$1000.00} Damaged mode of living : {$1000.00} Infringement on the right to privacy : {$1000.00} I am hereby requesting that you Cease and Desist the reporting of this inaccurate and deceptive information on the consumer report immediately. Furthermore, I demand the prompt deletion of this account from the consumer report and all your systems. 
Your prompt attention to this matter is essential to rectify the damage caused by the inaccurate reporting. I anticipate a thorough investigation into this dispute and a timely resolution. Failure to comply with these requests may result in legal action to enforce my rights under the FCRA. 

INCLOSED DOCUMENTS : I have included letters FROM THE BANKRUPTCY COURTS and also PACER consumer reporting agency. States and response 's was, that Neither ( ONE ) of these agencies, The BANKRUPTCY COURTS nor PACER, DO NOT, report to any consumer reporting agenices. 

MUST BE DELETED LIKE YESTERDAY I insist that you immediately Cease and Desist the reporting of these erroneous and deceptive information on the consumer report. I am formally requesting the deletion of this account from the consumer report and all systems within your organization. 
Send money order check to address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX OR XXXX  Account : XXXX XXXX Thank you for your prompt attention to this matter. 
Yours Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX UCC 1-308i

Company response to consumer: Closed with explanation