Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: PA
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:
Equifax Notice to agent is notice to principal notice to agent XXXX XXXX XXXX  Account numberXXXX XXXX Account numberXXXX XXXXXXXX XXXX XXXX  Account numberXXXX XXXX XXXXXXXX  Account numberXXXX XXXXXXXX XXXX Account numberXXXX  XXXX XXXX XXXX XXXX Account numberXXXX XXXXXXXX XXXX XXXX Account numberXXXX XXXXXXXXXXXX XXXX  Account numberXXXX XXXX XXXX Account numberXXXX  Your company is furnishing inaccurate information to consumer reporting agencies. The reporting of inaccurate information has affected my character, my reputation, livelihood, and ability to obtain credit and a house. You and your company has affected 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. ( B ) Reporting information after notice and conformation 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. No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. Duty ; a moral and legal obligation Accurate : correct in all details in exact Prohibition : a law and regulation forbidding something As defined by the irs Even if you didnt receive a tax form 1099-c you must report cancelled debt and gross income The irs clearly states charge off as income the reporting of this account is inaccurate. Income does not get reported on the consumer report, which makes this reporting inaccurate. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate. 15 USC 1681 S-2 You are a furnisher of information to the reporting to the credit bureau agencies . 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 PROHIBITED BY LAW to furnish accurate information. I demand you to CESEASE And DESEASE of this inaccurate information immediately. You are hereby put on notice you have been reporting inaccurate information. 15 U.S. Code & 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and conformation of errorsA 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 lender must file a 1099-c and you a copy of the debt if more than 600 $ and the lender is a federal institution, credit union, and government agency. Please send me my form 1099 c that they should of sent you that they filed as cancelled debt. In conclusion, you are hereby put on notice, and i have clearly shown this inaccurate information. The reporting has caused my family a tremendous financial loss as i am not able to process fully with my livelihood. YOU HAVE 10 DAYS TO REMOVE THIS FROM MY CREDIT REPORT. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation