Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This company XXXX XXXX XXXX, Account info, Account number XXXX have violated several laws and my consumers rights, I did not give permission for my information to be sold without my written consent this is a violation of the law and my privacy rights. The original creditor XXXX XXXX, {$1000.00} filed charged off using IRS tax without sending me a copy of the XXXX which is required by law. This agency is in violation of XXXX XXXX XXXX. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I I do not validate this debt. The reporting of these account ( XXXX ) is/are violations of XXXX XXXX XXXX XXXX and the Fair Credit Reporting Act [ XXXX XXXX XXXX XXXX a ) ( XXXX ) ( B ) ] : ( XXXX ) EXCLUSIONS. They were to notify me of this in writing XXXX days prior, I was never notified as the original creditor, only I can validate this paid debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts, they have violated my rights XXXX XXXX states I have the right to privacy XXXX XXXX Section XXXX : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. XXXX XXXX XXXX ( a ) ( XXXX ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the XXXX from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. The account information listed directly above is inaccurate, and I dispute the validity of each. As per the FCRA you must delete all entries to my credit file that can not be proven to be accurate. Likewise, you must provide me with your Method of Verification. You are a partial owner of the eOscar system, which has proven to be unreliable for the intended purpose of my dispute and does not constitute the legally required independent investigation that you must conduct. For clarity, the sections of the Fair Credit Reporting Act of XXXX which are referenced within this letter are : Section XXXX, Section XXXX, Section XXXX, and Section XXXX. I will assume that by the very nature of your business, I do not need to provide definitions of what is covered under each of these sections individually. The Information as Shown Below Must Be Investigated Immediately. Failure to Provide Adequate Details, Method of Verification, Accuracy of All Dates, Amounts, and other pertinent information will result in the immediate filing of formal complaints with the CFPB and the FTC. I reserve my right to sue you civilly in the court system, which will result in my seeking the maximum allowable penalty for each item. Should I require assistance, it will be sought through an attorney, dependent on your response to this letter. Thank you very much for your cooperation.

Company response to consumer: Closed with explanation