Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: AZ
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:
I am a FEDERALLY PROTECTED CONSUMER. MY CONSUMER RIGHTS HAVE BEEN DISCRIMINATED AGAINST AND I'VE BEEN DEFAMED BY XXXX XXXX ACT # # XXXX. Under 15 USC 1662 No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. XXXX XXXX OWES ME BACK MY DOWN PAYMENT I GAVE THEM after being coerced AT THE TIME OF EXTENDING CREDIT XX/XX/XXXX. XXXX XXXX HAS BEEN FURNISHING, SPREADING FOR PROFIT NEGATIVE FALSE '' LATE PAYMENTS ' CHARGED OFF STATUS INFORMATION ON MY CONSUMER REPORT IT WAS A UNILATERAL CONTRACT AND THEY COERCED, EXTORTED ME INTO MAKING PAYMENTS WHICH IS '' UNJUST ENRICHMENT '' AFTER THEY ILLEGALLY CHARGED OFF THE ACCOUNT AND STOLE THE CAR FROM ME IN A REPOSSION. THEY HAVE TARNISHED MY NAME AND MADE ME LOOK UNCREDIT WORTHY BY FURNISHING THIS INFORMATION I HAVE NOT BEEN ABLE TO EXTEND CREDIT IN COMMERCE WHICH IS MY RIGHT DUE TO THIS. There are FEDERAL LAWS that the furnishing of this account on my consumer reports are breaking. This account should of been deleted years ago since the first delinquency occurred in XXXX XXXX. And due to FEDERAL LAWS ON STATUE LIMITATIONS- 7 YEARS AND HALF are only as long as negative information can report on a consumer report. This account should of been deleted and off my report back in XX/XX/XXXX no later than XXXX XXXXBut not only did XXXX XXXX break FEDERAL LAW once they charged off this account then furnished it on my consumer reports Reporting charge offs are illegal on consumer reports because the IRS PUBLICATION STATES CANCELLED DEBT ARE CONSIDERED GROSS INCOME AND 1099C ISSUED AND CLAIMED WHEN TAX FILING INCOME SHOULD NOT BE ON A CONSUMERS REPORT. Under 15 USC 1681 ( c ) Running of reporting period ( 1 ) In general The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 
And the XXXX XXXX ACCOUNT NEVER GOT TO THE 180 DAY DELIQUENT PERIOD TO COMMENCE CHARGE TO PROFIT AND LOSS. They FALSELY SPED UP the date to furnish which is Illegal and Violation Worthy. And under The GRAMM-LEECH-BLILEY ACT which XXXX XXXX MUST ALSO ADHERE TO 15 USC 6809 ( 3 ) ( A ) I HAVE A RIGHT TO PRIVACY. I NEVER AUTHORIZED GAVE MY LAWFUL LEGAL WRITTEN CONSENT FOR XXXX XXXX TO FURNISH, SPREAD FOR PROFIT TO UNAUTHORIZED THIRD PARTIES WHICH THEY DID FOR 9 YEARS. I'm calling on the CFPB TO ENFORCE MY CONSUMER RIGHTS, MY CONSUMER PRIVACY, AGAINST XXXX XXXX  they have been in NONCOMPLIANCE of FEDERAL CONSUMER LAWS for years now with this account.

Company response to consumer: Closed with explanation