Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX XXXX, a federally protected consumer, and I am filing this complaint against ( XXXX XXXX XXXX  Account # : XXXX ) for furnishing false and misleading information to my consumer report as a means to bring harm to me and my financial reputation. This account is listed as a Charge off on my consumer report as shown in attached PDF. This is false and misleading. I am aware the definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. Im also aware that once a debt is cancelled, it now becomes gross income. Pursuant 26 U.S. Code 61 ( a ) ( 11 ), Gross income includes income from discharge of indebtedness. Was a 1099-C filed on this account? If so, I never received one. I am aware that a 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was aware of a 1099-C. Knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 U.S. Code 1681s-2. If XXXX XXXX XXXX  Account # : XXXX has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. I am aware and I am invoking my right as the consumer to demand the money audit trial in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with IRS. If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation. 

Also XXXX XXXX XXXX  Account # : XXXX is reporting inaccurate information on my credit profiles to the credit bureaus. If you view the attached image, you can see that the highest credit limit, the credit limit, date last active, are showing something different on each bureau. This is a direct violation of the Fair Credit Reporting Act and according to the FCRA this account must be removed IMMEDIATELY. 

Last XXXX XXXX XXXX  Account # : XXXX is reaging their account by currently reporting on my credit report XXXX charge offs when this account was allegedly closed on XX/XX/2017, this is a serious violation of FCRA also very damaging to my credit worthiness and misleading to potential creditors.

Company response to consumer: Closed with explanation