Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : FORMAL DISPUTE AND DEMAND FOR INVESTIGATION FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & 623 ( a ) ( 1 ) ( A ) PROCEDURES Consumer File/Report Number : Account in Dispute : XXXX XXXX, Account Ending XXXX XXXX To Whom It May Concern : I am writing to formally dispute the accuracy and completeness of information reported by XXXX XXXX on my Equifax credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681s-2. 
The following account information is inaccurate, incomplete, and has not been verified according to FCRA and IRS requirements : Creditor : XXXX XXXX Account Number : Ending in XXXX XXXX Reported Status : CHARGE_OFF BASIS FOR DISPUTE : XXXX. FAILURE TO PROVIDE 1099-C AND LEGAL CONSEQUENCES : This account is reported as a " Charge Off. '' However, the debt associated with this account was legally cancelled/discharged. Under IRS regulations ( 26 U.S.C. 6050P ), a creditor is required to issue a Form 1099-C, " Cancellation of Debt, '' to both the debtor and the IRS when a debt of {$600.00} or more is discharged. I have never received a 1099-C from XXXX XXXX for this alleged debt. 
o The issuance of a 1099-C is a definitive, objective event that establishes the debt was cancelled. Its absence is proof that the debt was not formally cancelled, yet the account is inaccurately reported as a " Charge Off. '' o Reporting a debt as a " Charge Off '' after its legal cancellation, without the accompanying 1099-C documentation, is misleading and violates the creditor 's duty under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) to provide information that is complete, accurate, and not misleading. 
XXXX. SPECIFIC INACCURACIES ON THE REPORT : o Original Creditor Name : Listed as " - '' ( Blank ). This field is incomplete. 
o Date of First Delinquency : Listed as " - '' ( Blank ). This critical date, which determines the Fair Credit Reporting time limit for the account 's inclusion on my report, is missing.

o Balance & Credit Limit : The reported balance of {$520.00} against a {$300.00} credit limit, resulting in negative " available credit, '' is contradictory and requires validation, especially in light of the 1099-C issue.

LEGAL DEMAND : Under FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information ( XXXX XXXX  ) has a continuing duty to provide accurate information to Credit Reporting Agencies . The reporting of this account is inaccurate and fails to reflect the legal discharge of the debt.

Therefore, I demand that Equifax : Initiate a formal reinvestigation into this account pursuant to 15 U.S.C. 1681i.

Specifically require XXXX XXXX to provide documented verification of the debt, including proof of the cancellation event ( the XXXX ) and all required account dates. 
Should XXXX XXXX fail to conclusively verify the accuracy and completeness of this debt within the reinvestigation periodspecifically by providing the XXXX and correcting all inaccuraciesthe account must be permanently deleted from my credit file as unverifiable. 
Please investigate this matter, correct the erroneous information, and provide me with an updated copy of my credit report and a description of the remedial action taken, as required by law. 
Sincerely,

Company response to consumer: Closed with non-monetary relief