Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXXSECTIONXXXX USC XXXXB ( XXXX ) RESTRICTS A COLLECTOR FROM STATING THAT A CONSUMER OWES ANY DEBT WHEN COMMUNICATIONS WITH THIRD PARTIES. 

I only have XXXX name which is : XXXX XXXX XXXX ALL THE OTHER NAMES ARE INCORRECT!! Please CORRECT AND UPDATE AND REMOVE XXXX XXXX XXXX 

According to H.RXXXX - Consumer Protection for Medical Debt Collections Act XXXX CongressXXXX A consumer reporting agency is prohibited from including on a consumer credit report, and a person is prohibited from reporting to such agency ( XXXX ) medical debt arising from a medically necessary procedure, or ( XXXX ) other medical debt less than a year old. I was having a baby which is a medically necessary procedure ..XXXX XXXXPlease remove this collection agency from my reportXXXXThis is prohibited!!!!! 

XXXX. XXXX XXXX  The Privacy Act of XXXX as amended, ( Privacy Act or the Act ) ( XXXX U.S.C. XXXXa ), XXXX XXXX XXXX, provides safeguards against the misuse of records XXXX agencies maintain about individuals. In general, the XXXX requires federal agencies to publish information explaining how records about individuals are collected, maintained, used, and disseminated by the Federal Government. Subject to certain exceptions, the Privacy Act also permits individuals to gain access to their records which are maintained in a system of records and to seek amendment of any incorrect or incomplete information contained in those records. You also commited the following violations : XXXX USC XXXX and opting XXXX USC XXXX. 
Under the Fair Credit Reporting Act XXXX USC XXXX ( b ) XXXX USC XXXX non-public person information XXXX USC XXXX Opting Out XXXX CFR XXXX Purpose and scope XXXX CFR XXXX ( f ) Credit history does not include income informationXXXXAccording to the IRS  XXXXDISCHARGEDXXXXAND CANCELED DEBT ARE TAXABLE INCOME, SO WHY ARE YOU REPORTING INCOME ON MY CREDIT REPORT? 

XXXX XXXX XXXX XXXXWHICH IS CONSIDERED INCOMEXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all in violation of multiple laws set forth by Congress in regards to the following accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) According to XXXX U.S.CXXXXe 1681XXXX ( XXXX ) ( a ) ( i ) it states that the consumer report does not includeinformation solely as to transactions or experiences ( payment history, charge offstatus ), between the consumer ( myself ) and the person ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX making the report.Additionally, XXXX U.S. CXXXXe XXXX s-XXXX XXXX a ) ( XXXX ) ( A ) states that A person 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) shall not furnish anyinformation relating to a consumer ( XXXX ) to any consumer reporting agency if theperson knows or has reasonable cause to believe that the information is inaccurate.The following companiesXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cannotcollect on a XXXX debt. This is now considered a certificate of indebtedness perthe IRS and income can not be reported. The IRS Clearly defines a charge off as Grossor Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMERREPORT which in fact makes reporting of this account inaccurate! I provided ascreenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debtor Charge off is Income. The reporting of this account as a debt is inaccurate. I neverreceived a XXXX-C fromXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for any of thecancelled debts in order to file as ordinary income. Where is my XXXX-C from either 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 XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ), is clearly writing off debtwith the IRS without sending out XXXX-C as required by the IRS for debts greater than { XXXX {$600.00} } }. This is unsatisfactory! The follow companies 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) have been HEREBY XXXX NOTICE that they are furnishing incorrect inaccurate information. In all of theterms and conditions uploaded 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the yagreed not to share my information with non-affiliates. Equifax is not an affiliate of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The only true creditbureau is the CFPB and they DO NOT furnish consumer reports as stated in federallaw. I have a right to privacy and Per the Privacy Act of XXXX as a federally protectedconsumer I am now revoking any and all authorization I the consumer may havegiven you written, non written, verbal, and nonverbal per XXXX U.S. CXXXXe XXXXa. Per theFCRA as a federally protected consumer I am now opting out of any and allauthorization I the consumer may have given you written, non written, verbal, andnon verbal per XXXX USC XXXX. I shall also point out their responsibility pursuant XXXX U.S.CXXXXe section XXXXs-XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) : ( a ) DUTY OF FURNISHERS OFINFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall notfurnish 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 personfor such notices, that specific information is inaccurate ; and ( ii ) the information is, infact, inaccurate. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), must also refund the remaining balance of the consumer account upon its termination. XXXX XXXX XXXX EQUIFAX XXXX XXXX

Company response to consumer: Closed with non-monetary relief