Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
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.

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 debts ; exact PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS Clearly says a Canceled or Charge off is income. The reporting of this account as a debt is inaccurate.

15 USC 1681 s-2 Says ( Creditor Name ) is a furnisher 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/ inaccurate 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 agency if the person knows or has reasonable cause to believe that the information is inaccurate..

You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.

The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1.

The above paragraph is taken directly from the IRS 2021 publication.

SEND ME MY FORM 1099-C that you should have sent when you Filled the account as a canceled debt.

My Address is listed below! 15 USC 1681 s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( 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. 
In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. 
( XXXX  XXXX ) Account # XXXX XX/XX/XXXX Balance {$720.00} ( XXXX  ) Account # XXXX Charged OFF Date XX/XX/XXXX Balance {$970.00} Charged OFF Date XX/XX/XXXX Balance {$670.00} ( XXXX XXXX  ) Account # XXXX Charged OFF Date XX/XX/XXXX Balance {$660.00} ( XXXX XXXX ) Account # XXXX Charged OFF Date XX/XX/XXXX {$630.00} ( Consumer Portfolio Svc ) Account # XXXX Charged OFF Date XX/XX/XXXX Balance XXXX ( XXXX XXXX XXXX ) Account # XXXX Charged OFF Date XX/XX/XXXX Balance {$650.00} ( XXXX XXXX XXXX ) Account # XXXX Charged OFF XX/XX/XXXX Balance {$690.00}

Company response to consumer: Closed with non-monetary relief