Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: PA
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:
I XXXX XXXX am submitting this complaint on my own. XXXX, XXXX, Equifax has alone XXXX to provide false information to my credit report, stating that the court house provided this information where you can see in the attachment the court house do not provide information to the credit reporting agencies. They are in violation of Fair Credit Reporting Act and 15 U.S. Code 80a33.Destruction and falsification of reports and records ( a ) Willful destruction It shall be unlawful for any person, except as permitted by rule, regulation, or order of the Commission, willfully to destroy, mutilate, or alter any account, book, or other document the preservation of which has been required pursuant to section 80a30 ( a ) or 80a31 ( c ) of this title.

( b ) Untrue statements or omissions It shall be unlawful for any person to make any untrue statement of a material fact in any registration statement, application, report, account, record, or other document filed or transmitted pursuant to this subchapter or the keeping of which is required pursuant to section 80a30 ( a ) of this title. It shall be unlawful for any person so filing, transmitting, or keeping any such document to omit to state therein any fact necessary in order to prevent the statements made therein, in the light of the circumstances under which they were made, from being materially misleading. 
I XXXX XXXX the natural consumer Never gave XXXX, XXXX, Equifax has alone XXXX XXXX to report anything to the credit reporting agancies nor do I have a contract to do business with them. XXXX, XXXX, Equifax has alone XXXX has tired to intimidate by force willfully injuring me from enjoyment of benefits and services administered by the United States ; XXXX, XXXX, Equifax has alone XXXX is in violation of 15 U.S. Code 1692d - Harassment or abuse in A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. XXXX, XXXX, Equifax has alone XXXX has engaged in harassing, oppressing and abusing me in the connection of a debt when pursuant to 18 USC 8 pledged all obligation to pay my debt. XXXX, XXXX, Equifax has alone XXXX is in violation of 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. XXXX has provided false information to XXXX, Equifax, & XXXX.

Company response to consumer: Closed with explanation