Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
RE : FORMAL DEMAND FOR VALIDATION & IMMEDIATE CESSATION OF REPORTING FILED AUTO LOAN ACCOUNT {$13000.00} CHARGE-OFF To Whom It May Concern, This letter constitutes a formal dispute and request for full validation under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, and notice of potential violations of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2, as well as your continuing misrepresentation of unverifiable, inaccurate, and legally unsupported data to consumer reporting agencies in violation of federal law and STAC reporting obligations. 

You are currently furnishing account information to one or more consumer reporting agencies regarding an alleged auto loan with a charged-off balance of {$13000.00}. This account is listed under the name XXXX XXXX XXXX and appears across all three major consumer credit reports. The continued reporting of this derogatory information is materially damaging my creditworthiness and is not legally permissible without full and verified validation of the alleged debt. 

Be advised of the following legal deficiencies and violations : 1. No Notice of Debt Was Provided You failed to send written notification of the debt within five ( 5 ) days of initial contact as required under 15 U.S.C. 1692g ( a ).

2. No Chain of Title or Proof of Ownership You have not produced a bill of sale, assignment, or legally enforceable contract demonstrating your continued right to collect or report this alleged debt.

3. Failure to Provide Original Loan Documentation There is no retail installment contract or agreement bearing my signature indicating that I owe this debt to your organization. 
4. Violation of FCRA 15 U.S.C. 1681s-2 ( b ) Upon dispute, you failed to conduct a lawful reinvestigation and are continuing to furnish disputed information without meeting reinvestigation standards.

5. Violation of 15 U.S.C. 1681i & STAC Agreement You failed to notify the credit reporting agencies of a bona fide dispute and are continuing to furnish unverifiable data in violation of Metro 2 and STAC procedures.

6. No Legal Basis for Reporting a Charge-Off Without Validation You have placed derogatory information on my credit file despite lacking the statutory authority to do so without proper validation and investigation. 
7. IRS 1099-C Compliance Required Because this alleged deficiency exceeds {$600.00}, you are required to disclose whether a 1099-C Cancellation of Debt form was ever issued or filed. If one was issued, the IRS classifies the debt as canceled and no longer collectible. You are required to confirm or deny the issuance of a 1099-C and produce all relevant documentation.

8. UCC Article 9 Compliance Required This was a secured auto loan. You are required under UCC 9-611 th
rough 9-614 to provide written notice of repossession, details of the vehicles sale, accounting of sale proceeds, and justification for any remaining deficiency balance. If you did not provide proper notice prior to repossession and sale, you are legally barred from collecting a deficiency or reporting any unpaid balance as valid. 

Let this serve as your official notice to immediately cease all reporting to the credit bureaus until and unless you provide the following : A full itemization of the alleged debt including the original balance, all interest, fees, and any deficiency calculations A signed retail installment agreement or loan contract bearing my signature The full chain of title or legal assignment showing your continued right to collect UCC-compliant repossession and sale records including vehicle sale details and deficiency calculations Copies of all notices and communications you allege were sent to me Confirmation of whether a 1099-C was issued and whether this account was reported to the IRS as canceled Legal justification for continuing to report this account in light of these deficiencies Evidence that you reported this account in full accordance with Metro 2 and the STAC agreement

Company response to consumer: Closed with explanation