Consumer complaint received 2024-02-23 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: IL

Complaint narrative:
I am writing to address a matter of utmost urgency regarding my account with Credit Bureaus, which has been erroneously flagged for late closure, included in bankruptcy proceedings, and listed as a public record. These inaccuracies have had severe repercussions on my financial standing and must be rectified immediately. 

Despite diligent adherence to the terms and conditions outlined in my account agreement, I was dismayed to discover that my account was flagged for late closure. This erroneous designation has tarnished my credit history and impeded my ability to secure favorable financial opportunities. 

Furthermore, the inclusion of my account in bankruptcy proceedings is entirely unwarranted and devoid of factual basis. I have diligently managed my financial obligations and have not filed for bankruptcy. This false representation has subjected me to unwarranted scrutiny and jeopardized my financial stability. 

Additionally, the listing of my account as a public record is deeply concerning and constitutes a violation of my privacy rights. Such unauthorized disclosure of sensitive financial information has exposed me to potential identity theft and financial exploitation. 

I demand immediate action to rectify these egregious errors, including : Removal of the late closure flag from my account records. 
Exclusion of my account from any bankruptcy proceedings. 
Removal of my account from any public records databases. 
Issuance of formal apologies for the distress and inconvenience caused by these inaccuracies. 
Implementation of measures to prevent similar errors from occurring in the future. 
Failure to address these concerns promptly will leave me with no choice but to pursue legal recourse to protect my rights and seek appropriate restitution. I am asking for your assisstance to remove these items in my credit file : XXXX. XXXX  XXXX XXXX Balance : {$1200.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX. CAPITAL XXXX XXXX Balance : {$2300.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information XXXX be inaccurate. I need this account removed NOW. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - This is showing to be XXXX past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 

XXXX. XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the XXXX statute of limitations that a credit bureau XXXX report. Please update the filing date and then remove.

Company response to consumer: Closed with explanation