Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
As Equifax 's records show, various requests were sent via certified mail requesting original documentation from the furnishers under Section 609 of the FCRA. These requests were ignored and never fulfilled. In addition during a recent meeting at the XXXX XXXX XXXX XXXX ( Small Claims Division ) on XX/XX/year>, Equifax corporate representative XXXX XXXX recklessly and maliciously left multiple copies of electronic dispute verification documents containing my full name, social security, address, date of birth, full account numbers etc. XXXX XXXX intentionally committed additional violations yet she carefully redacted all the last names of the representatives from the furnishers Equifax claims verified the disputed accounts. XXXX XXXX 's actions have put me at risk for further identity theft and as a result this violation and other violations will have to be resolved at a later date in a US district court of competent jurisdiction as stated in 15USC 1681p.

In addition, there are several charged off accounts ( or discharged accounts ) which should be deleted from my credit profile because according to the Supreme Courts these credit furnishers can not collect discharged debts. These furnishers may not make any attempt to collect a discharged debt. These furnishers can not assert a deficiency, or otherwise try to collect from the debtors personally on discharged debts. Creditors who violate this order can be required to pay debtors damages and attorneys fees. 
XXXX XXXX XXXX1.pdf Equifax 's continued refusal to remove these charged off accounts is a clear violation of 15 USC 1681 n and 15 USC 1681 s-2 and 18 USC 1001 as well .

According to the attached Internal Revenue Service instructions for the 1099 A and 1099C, charged off accounts are considered income. Income as shown in the attached statement from XXXX is not included on credit reports. 

The Internal Revenue Service states : File Form 1099-C, Cancellation of Debt, for each debtor for whom you canceled a debt owed to you of $ 600File Form 1099-C if you are any of the following. 

1. A financial institution described in section 581 or 591 ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ) 4. A corporation that is a subsidiary of a financial institution or credit union, but only if, because of your affiliation, you are subject to supervision and examination by a federal or state regulatory agency 6. Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether or not affiliated with a financial institution ). 

Under the section Statements to Debtors, the Internal Revenue Service states : If you are required to file Form 1099-C, you must provide a copy of Form 1099-C or an acceptable substitute statement to each debtor. 

By intentionally reporting income as a debt when the alleged debts are not collectible, Equifax has not only disobeyed the FCRA, but Equifax is also conspiring with the furnishers to commit tax fraud and other violations.

Company response to consumer: Closed with non-monetary relief