Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: GA
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 have previously disputed this item with you about ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  # XXXX ) and in response you verified the item as accurate, stating that you have verified the information with the court ( data furnisher ). I contacted the court, and their response is enclosed. It is clear they do not report to you or to any other credit agencies for that matter ; therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 u.s.c. 1681i ) and the information must be deleted immediately. Equifax you are guilty of violating my right to privacy according to FTC. 15 u.s.c. 1692e- False or misleading representations ; 15 u.s.c. 1681o ( a ) ( 1 ) ( 2 ) - Civil liability for negligent noncompliance ; 15 u.s.c. 1681n- Civil liability for willful noncompliance ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy. The XXXX  needs to be deleted immediately. 

Ive also previously disputed Account : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX when I received a notification that this item popped up on my report and again you've response you verified the item as accurate, stating that you have verified the information with the ( data furnisher ). I submitted a debt validation letter to the company on XX/XX/XXXX, and they received and signed for XX/XX/XXXX, and as of today XX/XX/XXXX I have yet to receive the requested documentation. So, how could you have verified the alleged debt and I have yet to receive correspondence? if the account if unverifiable it is to be deleted immediately and Equifax and or XXXX XXXX XXXX XXXX Owes me {$1000.00} for each violation along with damages I sustained for your lack of proper reporting. 

According to the IRS canceled debt ( CHARGEOFF ) is gross or ordinary income. Income is not to be reported on consumer credit report. So, Charge off is an inaccurate account and for that you need to delete XXXX XXXX XXXX XXXX account # : XXXX. 15 usc 1681 Section 602 States I have the right to privacy ; income is private information. Delete it.

15 usc 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


In accordance with the Fair Credit Reporting act these creditor ( XXXX ) XXXXXXXX XXXX  account # : ; XXXX BANK Account # : XXXX ; DEPT OF ED/XXXX Account # : XXXX has violated my rights. 
Under 15 usc 1681 Section 602 States I have the right to privacy.

Under 15 usc 1681 Section 604 A Section 2 : it also states a consumer reporting agency CAN NOT furnish account without my written instructions.

Under 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

15 usc 1681e.

You are also reporting an incorrect address on my report which leaves me assessable to identity theft, Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX Inquire ( XXXX ) : XXXX XXXX Equifax Mortgage XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation