Consumer complaint received 2025-01-18 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: MD

Complaint narrative:
On XX/XX/year>, the Bureau issued an order against Equifax , Inc. and Equifax Information Services LLC ( collectively, Equifax ), one of the largest consumer reporting agencies in the country. Equifax collects and organizes data on most adult Americans to generate consumer reports, which it sells to creditors and other businesses that evaluate whether to offer consumers loans, jobs, housing, and certain other products. To promote the accuracy and fairness of information in consumer reports, the federal Fair Credit Reporting Act ( FCRA ) gives consumers the right to dispute incomplete or inaccurate information in their credit file and requires consumer reporting agencies, like Equifax, to forward notice of the dispute to the company that originally provided the information ( called the furnisher ). FCRA also requires consumer reporting agencies to reinvestigate such disputes and remove or correct any inaccurate, incomplete, or unverifiable information. ( 2025-CFPB-0002 ). The order requires Equifax to comply with federal law, and Equifax must pay a XXXX XXXX XXXX money penalty, which will be deposited into the CFPBs victims relief fund. 

This proves that EQUIFAX does improper investigation and uses information given to you by the credit card companies who are also engaging in identity theft. Do Not send me any information from the furnisher. you caused me extreme emotional distress, and unemployment. I got turned down my fidelity investment which was a huge job opportunity. they found me unworthy after my credit background check to handle financial matters. I have proof too. EQUIFAX gives you the right to furnish my information without my consent and destroy my reputation. 15 U.S. Code 1681i - Procedure in case of disputed accuracy states Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. I can use IRS form 14039 for identity theft. Under the internal Revenue Code sections 108, 1271, and 1275 apply to debt instruments, including indebtedness. internal section 108 : " covers income from the discharge of indebtedness, including debt cancelled in bankruptcy cases or when the taxpayer is insolvent. if the accounts on my report are charged off ask the furnisher ( credit card company ) where the IRS form 1099 C. they have never sent me this. That is besides the point, charged off is considered a certificate of indebtedness which is income and as you know income can Not be furnished on my report pursuant 15 usc 1681 C. I am seeking XXXX XXXX in damages for all the years of suffering and emotional distress unemployment and I want that in prepaid card or a check. this is no way to give you more time to my initial CFPB complaint. this is additional information. please respond to this matter promptly.

Company response to consumer: Closed with explanation