Since 2010, on numerous occasions I have disputed a bankruptcy being reported by Equifax on my credit profile. Each and EVERY single time, they 've responded " verified ''. And EVERY single time I asked for what 's known as a Method Of Verification, I 'm simply told to contact the court on " record ''. On several occasions I 've spoken with court officials over this so-called bankruptcy and they verbally confirmed what I had already assumed ; Equifax NEVER, NOT ONCE " verified '' any such bankruptcy with the court. And as such this reporting is illegal according to the FCRA and NJ State Law and needs to be deleted. Please refer to my notarized letter addressed to the court and their certified response. I look forward to Equifax 's response via CFPB for the record as I contend that Equifax 's policies allow them to BLATANTLY LIE to consumers and the authorities that govern the FCRA.