Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Bankruptcy Account Reported Request for Removal Dear Equifax, I am writing to formally dispute the accuracy of an account listed on my credit report that pertains to a bankruptcy filing. Upon thorough review of my credit report, I noticed that there is a bankruptcy entry, Account XXXX : XXXX, which I believe to be incorrect and unverifiable. I respectfully request that this account be removed or corrected. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has stated that they do not verify bankruptcy information when requested by a credit reporting agency. Specifically, the court has made it clear that they do not provide verification of this information to credit reporting agencies, such as Equifax, when such a request is made. As such, I am asserting that the information reported is not verified, and according to the Fair Credit Reporting Act ( FCRA ), it should not be included on my credit report. # # # Relevant Laws & Regulations : 1. **Fair Credit Reporting Act ( FCRA ) ** Under the FCRA , 15 U.S.C . 1681i ( a ) ( 1 ) ( A ), a credit reporting agency is required to conduct a reasonable investigation of any disputed information. If the information is found to be unverifiable, it must be removed from the credit report. The FCRA explicitly states that : > *If the completeness or accuracy of any item of information contained in a consumers file is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shallconduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. * 2. **FCRA 1681e ( b ) Duty to Ensure Accuracy** As per this provision, a credit reporting agency must ensure that the information reported on a credit report is accurate. If the data is not verifiable, it is deemed inaccurate, and Equifax must remove it from my credit report : *Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. * 3. **CFR Title 16 - 660.4 Verification of Bankruptcy Information** According to the Code of Federal Regulations ( CFR ), a credit reporting agency must obtain accurate verification of bankruptcy information, and if such verification is not provided by the relevant court or party, the information is presumed to be unverifiable. As the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, does not verify bankruptcy filings for credit reporting purposes, Equifax is obligated to remove the unverifiable entry from my credit file. XXXX XXXX XXXX Request for Action : Given the inability of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, to verify this information to Equifax, and in accordance with the provisions of the FCRA, I respectfully request that this bankruptcy account be promptly removed from my credit report. If Equifax is unable to verify the accuracy of this account, the item must be deleted as mandated by federal law. Please investigate this dispute and provide me with a written response to confirm that the necessary corrections have been made. I expect a resolution of this issue within the 30-day period stipulated by the Fair Credit Reporting Act. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation