Consumer complaint received 2025-01-10 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:
I sent XXXX XXXX XXXX the following : Good day, I am reaching out to advise you that I sent a certified letter to Upstart on XXXXXXXX  requesting a copy of the 1099-C since they " charged off '' my debt. I did not receive the document requested. I filed a complaint with the CFPB and was told to reach out to you with any further investigation regarding this matter. 

I have disputed this account as the account details MUST be accurate when being reported to the credit agencies. Each report provided different information for pertinent information such as Last activity and times lats. How can ACCURATE information be different or inconsistent? I am requesting

the Charge off account be deleted from my account due to inaccuracies. 
I also am attaching a A Validation and Cease and Desist for reporting this account any further. Please read the letter carefully as I will include it if I have to file another complaint with the CFBP.. If you continue to ignore the FCRA requirements and FTC laws I will continue to file
complaints as you or Upstart are not following the requirements in order to report ACCURATE and VERIFIED information. 

Resolution for this matter, simply delete the charge off from all three credit agencies and adhere to the request provided in the attached letter. 

This email is date stamped and the email address was provided within the response provided on the CFPB site so I know it is valid. 

Thank you for your attention to this matter, XXXX XXXX I also provided the letter with these contents : VALIDATION AND CEASE AND DESIST Re : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account # : XXXX To whom it may concern : I understand you have taken over this account from Upstart. Can you supply me with a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR. 
PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR. 
PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR. 
Please send all the information provided to my mailing address : XXXXXXXX XXXX XXXX XXXX, MD XXXX PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSIBLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR. 

I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. 

Thank you for your immediate cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief