Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was affected by Equifax Data Breach. I have attached a copy of my consumer report Highlighting the accounts that are being reporting inaccurate. I also attached a UCC-11 showing I have not debts or liens under my name. Equifax is illegally selling my information though XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Deleted this account. This must be 100 % across all reporting agencies. 


XXXX XXXX XXXX XXXX XXXX This account is a charge off. A charge off is income under the IRS rules. Income does not get reported on a consumer report. It is also against FCRA to report transaction history on a consumer report. 

XXXX XXXX XXXX XXXX XXXX This account is a charge off. A charge off is income under the IRS rules. Income does not get reported on a consumer report. It is also against FRCA to report transaction history on a consumer report. 

XXXX XXXX XXXX XXXX XXXX This account is labeled inaccurately. This account is not a charge off and is Open. It is also violating FCRA by reporting transaction history.

15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( Reporting Transaction history is illegal ) 15 U.S. Code 1681s2 - 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 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. 
( Equifax has been put on notice of the inaccurate information and must immediately stop reporting that information until they can provide proof that it is valid. ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( ANYONE fails to comply is liable of no greater than {$1000.00} per violation. )

Company response to consumer: Closed with non-monetary relief