Consumer complaint received 2022-05-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CFPB Investigate XXXX XXXX XXXX and forward this to the CFPB chief XXXX XXXX : Okay now, XXXX XXXX XXXX yall have a big, big problem on yall hands and I am demanding you resolve this serious matter right now as you reading this complaint via CFPB Portal. Listen here, we can do this the easy way, or the hard way. You pick 1, whichever fits best for you. Notice, I, XXXX XXXX am very aware of XXXX XXXX XXXX deceptive business practices and false and misleading information you have provided to me, and to the Credit Reporting Agencies, which has damaged and ruined my Financial reputation and caused me stress, XXXX, and of denials of extending my credit with other creditors. XXXX XXXX XXXX you are currently reporting my account to the Credit Reporting Agencies Charge-off as bad debt which by law definition means The writing off of a debt and termination of collection activity without release of personal liability. Which A write-off means Removing an asset from the books, especially as a loss or expense, while to deduct an item means to subtract it from gross income or adjusted gross income when calculating taxable income. So it is evident XXXX XXXX XXXX has made income in regards of my account, double dipping, and STILL continues to collect an alleged debt which is by law extortion pursuant to 18 U.S. Code 894 ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 
XXXX XXXX XXXX overstand you are attempting to collect a debt which I know you have profited and you continue to extort me of extension of credit is 20years of imprisonment XXXX XXXX XXXX will do according to 18 U.S. Code 894 ( a ). Please overstand if we have to take this serious matter to court, I will not be seeking any money or currency, it be strictly about you getting those 20 years in Federal Court. Please Let me know however you want to handle this. Also, I am demanding you to provide me with an XXXX XXXX including the account ledger on your books and if you cant provide me with details of the transaction which will validate your deceptive and unfair practices, double dipping etc. 
XXXX XXXX XXXX I am demanding you to UPDATE my account to all Credit Reporting Agencies as PAID AS AGREED. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I, XXXX XXXX, consumer, dated on XXXX/XXXX/2022 at XXXX EST am putting XXXX XXXX XXXX on notice the information you you are furnishing is inaccurate. Pursuant to 15 U.S. Code 1681s2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

Believe I am very aware of your activities XXXX XXXX XXXX and I know you are performing deceptive business practices and I am taking all actions necessary as a Federally protected consumer!

Company response to consumer: Closed with explanation