Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
EQUIFAX CONTINUES TO VIOLATE MY RIGHTS BY REPORTING GROSS INCOME AND ORDINARY INCOME ON MY REPORT BREAKING THE LAW. THESE ACCOUNTS " CHARGED OFF '' THE IRS STATES CLEARLY THAT ANY GROSS INCOME OR ORDINARY INCOME CAN NOT BE REPORTED INTO A REPORT BY ANY CREDIT REPORTING AGENCY.A CHARGE OFF IS GROSS INCOME PER THE IRS. DELETE ALL ACCOUNTS MENTIONED IN THE COMPLAINT ASAP AND I'M REQUESTING {$1000.00} PER EACH VIOLATION. XXXX XXXXXXXX XXXX XXXXXXXX UPSTA/FINWSE XXXX XXXX XXXX Equifax Continues XXXX Violate multiple laws from Congress 15 U.S. Code 1681a ( 2 ) ( a ) ( i ). Additionally CHARGED OFF is 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 REPORTS BY LAW AND By Definition PER the IRS Clearly says a Cancelled debt or Charge off is Income. AGAIN THESE COMPANIES HAVE ALREADY WRITTEN OFF THESE ACCOUNTS AS A " CHARGED OFF '' IN THEIR MANDATORY TAX FILINGS VERIFYING THE ACCOUNT 'S TRUE STATUS. DELETE THESE ACCOUNTS IMMEDIATELY FROM YOUR RECORDS AND I'M ALSO REQUESTING {$1000.00} PER EACH VIOLATION OF THE LAWS VIOLATED AND THE FCRA PER ALL MY OTHER COMPLAINTS THAT YOU HAVE FAILED TO FULLY ACKNOWLEDGE AND ADDRESS THE LAWS BROKER BY YOUR SERVICES ALSO EQUIFAX YOU'RE VIOLATING AND BREAKING ADDITIONALLY THE FURTHER LAWS BY HAVING THESE ACCOUNTS ON YOUR RECORDS AS THE LAW STATES UNDER 15 U.S.C. 1681c THAT A CONSUMER CREDIT REPORT DOES NOT INCLUDE ANY ADVERSE ITEMS ASIDES " 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 WITHOUT MY PERMISSION AFTER REVOKING ALL PERMISSION TO THEM AND YOU EQUIFAX. ADDITIONALLY THE LAW CLEARLY STATES 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 ( UPSTART, XXXX, XXXX, ) making the report. EQUIFAX WHAT YOU'RE DOING IS ILLEGALL AND I DEMAND THE DELETION OF THESE ACCOUNTS ASAP FURTHER MORE I HAVE REVOKED ANY PRIOR PERMISSION TO SHARE ANY PERSONAL INFORMATION WITH A 3RD PARTY COMPANY. FURTHER MORE ON THEIR TERMS and Conditions these Companies 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.

Company response to consumer: Closed with explanation