Consumer complaint received 2025-01-03 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: SC

Complaint narrative:
I pull a copy of my consumer report for XXXX and noticed that information being reported as inaccurate, incorrect, inconsistent, and fraudulent information violating my rights as a consumer. I have disputed these same issues in the past multiple times and nothing has been done. Erroneous and inconsistent reporting of information across both credit reporting agencies ( XXXX and Equifax ) on the same accounts. 
" I disagree with the account listed below reported on my credit report. After your investigation. I am requesting that these items be immediately re-investigated. The inaccuracies are highly injurious to my credit score. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Additionally, the Fair Credit Reporting Act Public Law 91-506, Title VI, Section 611. Provide names and addresses of everyone with whom you have verified so that I can follow-up. Please send me an updated copy of my credit report after your reinvestigation. 

Account name : 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 has violated my rights. 

According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

15 USC 1681 an credit reporting agency are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

It is stated in 15 USC 1681 s-2 they are supposed to 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. 

15 U.S.C. 1681B ( A ) ( 1 ) 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. 
Duty a moral or legal obligation ; a responsibility Accurate correct in all detail ; exact Prohibition a law or regulation forbidding something ERRORNEOUS REPORTING OF INACCURATE INCORRECT INFORMATION : - This account is being reported to reporting agencies as a charge off at the same time reporting and having it in collections. I called XXXX XXXX on XX/XX/year> inquiring the automative system asked for my social security number once entered I informed by their automative system that charge off account was sold to an outside collection agency by the name of XXXX XXXX XXXX XXXX. The customer service representative confirmed the information. This account is currently showing closed and a charge off/collection. This is a joint account that my spouse successfully disputed with XXXX and Equifax and had them both permanently deleted. 
- According to FCRA Section 623 an account should reflect charge off up to the date it is closed. Once closed they ( XXXX XXXX ) should not continuously report late payments. 
- This charge off was sold to a debt collector XXXX XXXX XXXX XXXX. XXXX XXXX accepted payment from this third party as purchasers of this charged off account, they ( XXXX XXXX ) should have by removed this charge off from my credit report or reported on my credit report paid for less. I do not have a contract with this debt collector and no longer with XXXX XXXX because they reported this account as a loss and canceled this debt as a charge off. This is a joint account that my spouse successfully disputed with XXXX and Equifax and had them both permanently deleted. 
- This reported inaccuracy does not meet FCRA accountability of accurate reporting. A charge off account should be reporting a balance. According to the IRS ( Identifiable Event Code 7 ) under XXXX, discharges because of a decision or defined policy of the creditor to discontinue collection active and cancel debate. 
- As defined by the IRS, the lender must file form XXXX and send the consumer a copy if the amount of the debt canceled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in XXXX XXXX  ( this paragraph was taken directly from the IRS XXXX XXXX ). The IRS clearly defines a charge off as gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT. Which makes your reporting of this account inaccurate and fraudulent. 
- I NEVER received a copy of the XXXX from XXXX XXXX That is required by the IRS for me to file also. They are refusing to provide me with information that is relevant and rightfully belongs to me. 
- - XXXX still reports this account status for XXXX XXXX  ( A financial institution ), and it is closed/collection/charge off and sold to ( debt collector XXXX XXXX XXXX XXXX  XXXX XXXX I do not recognize them ; I have never had a contract with them. XXXX XXXX canceled this debt, sold it, and reported as a loss. I never received a XXXX form, unpaid balance was over {$600.00}. According to the IRS, I should have received a XXXX from them because the canceled this debt as a charge off. Ally filed a XXXX and received tax benefit as a tax-write off as a loss and was paid for the unpaid balance. And they had insurance included in the finance charge to cover them in case, I did not pay them. This is a joint account that my spouse successfully disputed with XXXX and Equifax and had them both permanently deleted. 
- - Equifax still reports this account status for Ally Financial ( A Financial Institution ), and it is in closed/collection/charge off and sold to ( debt collector XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize them ; I do not have an account with them. I have never had a contract with them. XXXX XXXX canceled this debt, sold it, and reported it as loss. I never received a XXXX form, unpaid balance was over {$600.00}. According to the IRS, I should have received a XXXX from them because the canceled this debt as a charge off. XXXX filed a XXXX and received tax benefit as a tax-write off as a loss and was paid for the unpaid balance. And they had insurance included in the finance charge to cover them in case, I did not pay them. This is a joint account that my spouse successfully disputed with XXXX and Equifax and had them both permanently deleted. 

- XXXX XXXX ( A Financial Institution ) reported this account status as a charge off/transfer/collection/sold/paid ( Unpaid balance {$720.00} ) Sold to XXXX XXXX XXXXXXXX. This account was over {$600.00}. According to the IRS I should have received and XXXX form. I never received it from this finance company. 

- XXXX XXXX XXXX XXXX XXXX ( A Financial Institution ), reported this account as closed/charged off/Fully terminated - National Credit Adjusters ( A debt collector ) brought my account from Southern Finance ( shows an unpaid balance of {$1000.00} ). I never signed a contract with them. I do not recognize this account. Still reporting inaccurate incorrect and fraudulent information. ( Double XXXX both XXXX XXXX XXXX and XXXX XXXX are reporting this same account # XXXX on my credit report, with different amounts, different dates and the original creditor reported as transfer/sold/charge off. They no longer own this account. And a financial institution ( XXXX XXXX XXXX ) trying to make me paid for a loan that Id never signed a contract with them. I do not recognize this account with XXXX XXXX XXXX 15 U.S. Code 1605 ( Finance Charge ) Built in is a finance charge for insurance that protects the lender in the event that the obligator defaults of which they were paid for the remainder of this debt. 
- XXXX XXXX is reporting a collection/charge off monthly repeatedly to credit reporting agencies of inaccuracy and incorrect information. Repeatedly monthly XXXX XXXX are reporting a balance of {$9200.00} as a charge off - even with them stating on the credit report Unpaid balance reported as a loss by the credit grantor. Per the IRS acknowledges as an Income. Income is not allowed to be reported to a credit reporting agency and put on a consumer report that is illegal to do so. The IRS consider charge offs as canceled debts and any amount over {$600.00} the creditor ( XXXX XXXX ) must be filed a XXXX form with the IRS, and they received a tax-write off ( a tax-deductible benefit ) and was paid by the IRS for their financial loss. 
- They were paid from the insurance due the default of the obligator that included in their finance charge, then they were by required by federal law to file a XXXX to file due the amount being over {$600.00} they did and received a tax-write off and got paid from the IRS for that loss XXXX 
- XXXX XXXX got paid again because they sold this charged off account to an outside collection debt collector XXXX XXXX XXXX XXXX XXXX And still trying to get paid again by me the ( consumer ) by reporting this account on my credit report as a collection. 

They are fraudulently reporting inaccurate incorrect information. The continued reporting of this inaccurate information is a clear violation of the Law 15 U.S. Code 1681 S-2 of your responsibilities as a furnisher of information as defined below : 15 U.S. Code 1681 S-2 ( 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 XXXX ) The person has been notified by the consumer, at the address by the person for such notices, that specific information is inaccurate and ii ) the information is, in fact, inaccurate. 

Because I am aware that this account was sold to debt collector. I do not have a contract with this debt collector XXXX XXXX XXXX XXXX. Therefore, I do not recognize how this account is reporting on my credit report. I do not recognize the account status. I do not recognize the late payments associated with it. XXXX XXXX has been compensated for this charge off account multiple times. And as defined by the IRS charge offs are canceled debts. This account is continuously be reported inaccurately and incorrectly for many years, which is fraudulent. This fraudulent account reporting has affected my credit score, past and current employment opportunities that would have been very beneficial for my family. It is continuously harming and has stopped my ability to obtain credit as direct result harming my financial standing, and peace of mind. You have XXXX days to respond to my request of immediate and permanent deletion of this account off my consumer report. 

RESOLUTION : This account needs to be permanently deleted immediately.

Company response to consumer: Closed with non-monetary relief