Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX. 


Dear, XXXX XXXX Equifax CFO NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCAL IS NOTICE TO AGENT You Company is furnishing inaccurate and incorrect information to the consumer reporting agencies. 

Account XXXX XXXX XXXX XXXX XXXXXXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX XXXXXXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX XXXXXXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 




The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 

You and your inaccurate reporting have damaged my livelihood. 

15 U.S. Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( 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. 

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 

PROHIBITION : a law or regulation forbidding something As Defined by THE IRS Even if you didnt receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

THE IRS define a charge off and gross or ordinary income, Income does not get reported on the consumer report By definition the IRS clearly says a canceled or charge of his income the reporting of this account as a debt is in accurate. 

15 USC 1681 s-2 Says A furnishings of information to a consumer reporting agency. 
You are prohibited by law to furnish inaccurate information. I demand you to cease and desist the reporting of incorrect in an accurate information immediately. 

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls to believe that the information is in accurate You are hereby put on notice that you are furnishing incorrect in accurate information 15 USC 1681s-2 ( a ) Duty Of furnishes of information to provide accurate information 1. Prohibition ( B ) important information after notice of confirmations of error A person shall not furnish information related to a consumer or to any consumer reporting agencies ( XXXX ) If the person has been notified by the consumer at the address specified by the person for such notice, that pacific information is in accurate and information is, in fact, inaccurate In conclusion I have shown you and you have been put on notice that you are reporting in accurate information. The information is, in fact, inaccurate. 

The continued reporting of this information is a clear violation of the law 15 US C1681 s 2 of your responsibilities as a furnisher of information. 

Due to you have caused me in my family severe harm due to your negligence in an accurate reporting. This is a fine opportunity to cure and delete this erroneous in accurate account from my consumer report You have 10 calendar days to delete this account from my consumer reports!

Company response to consumer: Closed with explanation