Consumer complaint received 2024-07-01 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: UT

Complaint narrative:
XXXX I'M WRITING TODAY AS THESE COMPANIES CONTINUE TO BREAK FEDERAL LAW AND VIOLATE MY RIGHTS. 

EQUIFAX XXXX XXXX THESE COMPANIES AND EQUIFAX XXXX XXXX CONTINUE TO VIOLATE MY RIGHTS AS I'VE ALREADY STATED IN MY PREVIOUS COMPLAINTS WHICH CLEARLY STATE ALL THE LAWS THESE COMPANIES HAVE VIOLATED AND CONTINUE TO. 

I REQUEST THE IMMEDIATE DELETION OF THESE ACCOUNTS FROM YOUR RECORDS AND ALL 3RD PARTY COMPANIES YOU MIGHT HAVE SHARED WITH AND {$1000.00} PER VIOLATION OF THE FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX EQUIFAX XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE DISCHARGE /WRITTEN OFF THIS AS A CHARGED OFF ON THEIR TAXES YEARS AGO AND BY LAW This is now considered a certificate of indebtedness per the IRS and income can not be REPORTED. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate. THE LEGAL Definition PER THE IRS Clearly says a Cancelled debt or Charge off is Income. I never received a 1099-C from any of these Companies for the cancelled debt. These COMPANIES ARE writing off debt with the IRS WITHOUT sending out 1099-C as required by the IRS for debts greater than {$600.00}. This is ILLEGALLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TERMS and conditions they agreed not to share my information with non affiliates. EQUIFAX, XXXX, and XXXX is not an affiliate of these Companies nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. AGAIN I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802.

THIS IS THE COMPLETE LIST OF ACCOUNTS THAT I'M DEMANDING THE IMMEDIATE DELETION AND {$1000.00} PER EACH VIOLATION OF THE FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VIOLATED MY RIGHTS AND I'M SEEKING {$1000.00} PER VIOLATION OF THE FCRA FOR THESE ACCOUNTS THAT ARE REPORTING WITHOUT MY CONSENT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NEVER INFORMED ME OF MY RIGHTS TO EXERCISE MY NON DISCLOSURE OPTION UNDER 15 USC 6802 According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARE a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the WRITTEN instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the financial institutions and the Consumer reporting agencies XXXX, Equifax and XXXX, and all Data Furnishers and 3rd party companies do not have my consent to furnish this information and they surely do not have my written consent. ANY and all CONSENT to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never informed me of my right to exercise my nondisclosure option. FURTHER MORE you have sold one of this accounts AND : You have Violated 12 CFR 617.7015 ( ii ) The qualified lender must obtain from the borrower a signed written consent to the sale. I NEVER GAVE WRITTEN PERMISSION TO THE SALE OF THE ACCOUNT OR ANY PERSONAL INFORMATION. AGAIN Before any information can be shared/reported on a credit reporting party such as Equifax XXXX and XXXX OR XXXX Furnishers or any 3rd party the consumer has the opportunity to Exercise his right of non disclosure of personal information to any 3rd party UNDER 15 USC 6802 YOU HAVE VIOLATED MY RIGHTS AND CONTINUE TO BREAK FEDERAL LAW FURTHER MORE NOT ITEMS ASIDES BELOW PER FEDERAL LAW CAN BE REPORTED VIOLATING FURTHER LAW " any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years '' THESE ACCOUNTS ARE AN ADVERSE ITEM AND ARE REPORTING

Company response to consumer: Closed with non-monetary relief