Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with FCRA these creditors has violated my right under 15 USC 1681 section 602 states that i have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agenency can not furnish an account without my written consent or instructions. Under 15 USC 6801 states that i am protected of non-public information. I was violated, inaccurate information is being reported to my credit report. The FRCA 15 USC 6802 obligations with respect to disclose personal information. Creditors are supposed to provide consumers they do business with 3 disclosures forms 1. Form stating they are going to report your personal information to consumer agenacies. 2. You have the option to opt out if you dont want your information reported 3. Form explaining how to exercise your right to opt out and the steps to take. 
All of the listed accounts are reporting as " charged off '' the irs views charge offs as gross and ordinary income and i have never recieved any off the 1099-c form cancellation of debt forms so inaccurate is being reported. There is also inaccurate information reporting different information and different dates. 
XXXX XXXX XXXX is charged off XXXX balance update is XX/XX/XXXX XXXX is reporting a balance update of XX/XX/XXXX and Equfax is reporting a update balance on XXXX is also reporting a high balance of {$430.00} and equifax and XXXX doesnt report a high balance all creditors show a past due balance of {$240.00} XXXX XXXXXXXX XXXX XXXXXXXX is being reported as charged off XXXX  balance update is XX/XX/XXXX XXXX is reporting balance update XX/XX/XXXX and equifax is reporting balance update XX/XX/XXXX tyransunion is reporting a high balance of {$1000.00} and equifax and XXXX is not reporting the same information XXXX XXXX XXXX XXXX XXXX is charged off reporting balance update XX/XX/XXXX XXXX is reporting balance update XX/XX/XXXX Eqifax is reporting balance update on XX/XX/XXXX there is a past due balance of {$8800.00} from all creditors 4. XXXX XXXX XXXX is being reported as charged off with a update balance being reported on XXXX XXXXXX/XX/XXXX transunion is reporting a balance update XX/XX/XXXX and equifax is reporting a balance XXXX XX/XX/XXXX XXXX and XXXX are reporting a past due balance of {$2900.00} equifax is not reporting this XXXX. XXXXXXXX XXXX XXXX XXXXXXXX is chharged off and experian reporting a balance update on XX/XX/XXXX XXXX reporting balance update on XX/XX/XXXX and equifax is reporting balance update on XX/XX/XXXX equifax and XXXX is also reorting a past due balance of {$520.00} XXXX is not reporting this information XXXXXXXX XXXX XXXX XXXXXXXX is reporting as charged off XXXX is repporting balance update on XX/XX/XXXX XXXX reporting balance update XX/XX/XXXX equifax is reporting balance update on XX/XX/XXXX equifax and XXXX is also reporting a past due balance of {$1000.00}

Company response to consumer: Closed with explanation