Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

After a investigation was requested. This company is still furnishing inaccurate and incorrect information to my consumer report. I am demanding a reinvestigation of the accounts listed below and a method of validation of such account the ensure 100 % accuracy : Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The reporting of such inaccurate information has caused severe damaged for my reputation, my general mode of living and my ability to obtain credit for personal and household uses. You and your inaccurate reporting have damaged my livelihood 15 USC 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( 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 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. *Person- Any corporation, partnership, association, or other organization organized under the laws of the United States or of any State, territory, possession, or district of the United States ; and -Any corporation, partnership, association, or other organization, wherever organized or doing business, that is owned or controlled by persons specified in paragraphs ( a ) or ( c ) of this section.

* Duty- A moral or legal obligation or responsibility. Accurate. Correct in all value or details ; Prohibitation. A law or regulation forbidden something * As defined by the IRS, even if you don't receive form 1099c, you must report cancelled debt as gross income on your tax return. * By Definition the IRS clearly says a canceled debt or charge off is ordinary income. The reporting of this account as a debt is inaccurate.

15 usc 1681s-2- says you as a company 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 the inaccurate and incorrect information immediately. 

Referring back up to 15 usc 1681s-2 : 1 ( a ) You are hereby put on notice that you are furnishing incorrect and inaccurate information on my consumer report. The lender must file form 1099c and send you a copy if the amount of the debt cancels {$600.00} or more. Rather the amount is over or under {$600.00} the debt will still be filed on my taxes as ordinary income. The above paragraph is taken directly from the IRS publication. Send me the form 1099c that you should have sent when you filed the account as a canceled debt. My address and correct spelling of my name is below. You have 10 days to respond as i will proceed to seek legal representation due to the unlawful, incorrect and inaccurate reporting you are doing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX