Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes ( A ) In general The Bureau, in consultation with the Federal Trade Commission, the Federal banking agencies, and the XXXX XXXX XXXX XXXX, shall prescribe regulations that shall identify the circumstances under which a furnisher shall be required to reinvestigate a dispute concerning the accuracy of information contained in a consumer report on the consumer, based on a direct request of a consumer. 
Your not a Bureau, I am the natural person. You are a financial institution which is public traded company. 
If my report is suppose to not include anything on there, why is this on there? This is identity theft. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]. 
An alleged debt being furnished on my credit report is a violation of 15 USC 1692b. ( 2 ) why? Because its being furnished would mean I owe it and a debt collector cant say you owe anything. Its also advertising to coerce payment. Which is illegal 15 USC 1681 E ( 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. ( c ) DISCLOSURE OF CONSUMER REPORTS BY USERS ALLOWED A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. If no factual information is supposed to be furnished on my report how is EQUIFAX ensuring MAXIUM POSSIBLE ACCURACY of my report?

Company response to consumer: Closed with explanation