Consumer complaint received 2025-01-19 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:
CFPB Complaint Against Equifax Subject : Equifax Continues to Verify Disputed Bankruptcy Record Without Proper Investigation Description of the Issue : I am filing this complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) in handling my dispute of a bankruptcy record. Specifically, Equifax has been verifying the disputed bankruptcy information without conducting a reasonable investigation. 

The bankruptcy record in question, associated with case number # XXXX, has been reported on my Equifax credit report. I have disputed this record multiple times, but Equifax continues to verify it as accurate based on information obtained from XXXX. However, my XXXX file has been ( frozen since 2023 ), preventing Equifax from accessing or relying on XXXX ( a third party ) to conduct a meaningful investigation. 

This raises serious concerns about Equifax 's compliance with its obligations under the FCRA, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Failure to Conduct a Reasonable Reinvestigation** Equifax has an obligation to reinvestigate disputed information and verify its accuracy. By relying on XXXX, a source it can not access due to the freeze, Equifax has failed to conduct a reasonable investigation. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Failure to Ensure Maximum Possible Accuracy** Equifax XXXX required to ensure the maximum possible accuracy of information on my credit report. Verifying the disputed bankruptcy record without access to complete or accurate data violates this duty. 

XXXX. XXXX XXXX XXXX XXXX XXXX  ) : Failure to Mark the Record as Disputed** Equifax has not marked the bankruptcy record as disputed on my credit report while reinvestigating. This violates my rights under the FCRA and misleads users of my credit report. 
XXXX. **Failure to Provide Notice : No pre-placement or post-placement notice regarding the reporting of this negative information was provided to me, as required under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and related provisions. Per FCRA, consumer reporting agencies must notify consumers both before and after furnishing negative information to their credit reports, yet this did not occur. 

XXXX. **Breach of Security Freeze : A security freeze has been in place on my XXXX file to prevent unauthorized access or dissemination of my information. Despite this, XXXX negligently transmitted my private data, including the bankruptcy record, to the nationwide credit reporting agencies in clear violation of my rights under FCRA XXXX. 

**Impact on Me : ** XXXX improper handling of my dispute has caused significant harm to my creditworthiness, leading to higher interest rates and difficulties obtaining credit. Their failure to conduct a proper investigation has left me with inaccurate and unverifiable information on my credit report. 

**Supporting Documents : ** I have attached : - Documentation of my dispute with Equifax XXXX 
- Proof that my XXXX file has been frozen since 2023. 
- A copy of my Equifax credit report showing the disputed bankruptcy record. 

**Notice of Escalation : ** If Equifax fails to comply with my requests, I will explore further legal remedies under the FCRA for willful and negligent noncompliance resulting in compensatory damages.

Company response to consumer: Closed with explanation