Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
b'According to IRS, a 1099-C tax form entitled " Cancellation of Debt" should be issued to me from the creditor when $600 ot more of a debt is forgiven, settlement of less than amount owed, cancelled or discharged. It is my understanding the following accounts should not be shown as a charge-off on my account they should be shown as paid as the company has written of the remainder of the debt and reported it to IRS. They should issue me a Form 1099 C for my tax records so I can claim the debt as income on my taxes. These account should have charge-off deleted and you should instruct the creditors to send me 1099C\'s, if not, you are reporting inaccurate information on my credit file with your agency and it needs to be corrected. Also, I have paid off the amount as agreed with the creditor, it is no longer a charge-off and I have paid my debit, so all accounts below should not show "charge off" status as the debt is paid be either me or written off as debt by the creditor. The accounts are as follows; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XXXX XXXX XXXX Months Monthly 54 Paid Automotive Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status - Charge Off; Type of Account - Installment; Type of Loan - Auto; Whose Account - Individual Account; ADDITIONAL INFOR \n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status - Charge Off; Type of Account - Revolving; Type of Loan - Charge Account; Whose Account - Individual Account; ADDITIONAL INFORMATION - Charged Of\n\n\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status - Charge Off; Type of Account - Revolving; Type of Loan - Credit Card; Whose Account - Individual Account; ADDITIONAL INFORMATION - Account Paid For Less Than Full Balance; Paid Charge Off; Credit Card; THIS ACCOUNT IS PAID AS GREED AND SHOULD NOT BE SHOWN AS A CHARGE-OFF AS I PAID DEBT, SO IT SHOULD NOT BE A CHARGE OFF, IT IS PAID AS AGREED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XXXX XXXX XXXX  Monthly XXXX  Closed Date of Last Reported Update Date Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status - Charge Off; Type of Account - Revolving; XXXX  THE CREDITOR CHARGED OFF THIS ACCOUNT SO MY DEBT IS DISSOLVED SO PLEASE REMOVE THE CHARGE OFF AS THE COMPANY WROTE OFF THE BAD DEBT SO I NO LONGER OWE ANYTHING, THEY HAVE RECEIVED A CREDIT FOR THE DEBT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XXXX XXXX XXXX  Retail Closed XXXX XXXX XXXX XXXX XXXX XXXX Type of Account - Open; Type of L (NO ORIGINAL CREDITOR - NO AGREEMENT TO PAY WITH THIS COMPANY, THEY CANNOT PURCHASE A DEBT THAT HAS ALREADY BEEN WRITTEN OFF BY THE ORIGINAL CREDITOR - I AM BEING CHARGED FOR THE SAME DEBT TWICE - BY ORIGINAL CREDITOR AND THE COLLECTON AGENCY) REMOVE THIS ACCOUNT FROM MY CREDIT FILE, I DO NOT OWE THEM ANYTHING.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XXXX  Monthly XXXX  Date of Last Closed XXXX XXXX XXXX XXXX XXXX XXXX  Status - Included In XXXX XXXX XXXX; Type of Loan - Credit C THIS ACCOUNT SHOULD NOT BE SHOWN AS A CHARGE OFF AS THE CREDITOR HAS WRITTEN OFF THE DEBT, IS SHOULD SHOW AS PAID AND A 1099c SHOULD BE SENT TO ME.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XXXX XXXX XXXX Monthly XXXX  Closed Date Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status - Charge Off; Type of Account - Revolving; Typ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status - Charge Off; Type of Account - Revolving THE CREDITOR CHARGED OFF THIS ACCOUNT SO MY DEBT IS DISSOLVED SO PLEASE REMOVE THE CHARGE OFF AS THE COMPANY WROTE OFF THE BAD DEBT SO I NO LONGER OWE ANYTHING, THEY HAVE RECEIVED A CREDIT FOR THE DEBT'

Company response to consumer: Closed with non-monetary relief