Consumer complaint received 2025-10-07 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: NJ

Complaint narrative:
Subject : Dispute of Inaccurate Charge-O Date Reporting for XXXX  XXXX Account Ending in XXXX. 

I am writing to formally dispute inaccurate information being reported on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. Specifically, I am disputing the inaccurate charge-off and closure date being reported by XXXX XXXX for the account ending in XXXX. 
This matter had been investigated several times and my credit report has been changed. The reinvestigation is in correct and not verified because of it was one could see the inaccuracies in my report. 

XXXX XXXX has confirmed directly to me that this account was charged off on XX/XX/XXXX. However, my credit report shows the charge-off date as XX/XX/XXXX, nearly three years later, which is factually incorrect and misrepresents the age of the delinquency. 
Reporting an inaccurate date of first delinquency or charge-off is a violation of FCRA Section 623 ( a ) ( XXXX ) ( A ), which requires furnishers of information to provide data that is accurate and complete. This error negatively impacts the length of time this negative account remains on my credit report and unfairly damages my credit standing. 
Requested Action : - Immediately investigate this discrepancy with XXXX XXXX. 
- Delete the reported charge-off - Send me a written confirmation of the investigation results and corrections made to my file. 
I have attached documentation verifying my identity and supporting evidence of the correct charge-off date. Please process this dispute in compliance with FCRA 611 ( 15 U.S.C.

1681i ), which requires reinvestigation of disputes within 30 days.

Furthermore. I am formally disputing the reporting and handling of the above-referenced account pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 81681 et seq.

This account is being reported as a charge-off, yet I have not received an IRS Form 1099-C ( Cancellation of Debt ), which creditors are legally required to issue under IRS regulations when a debt is canceled, forgiven, or charged off in the amount of {$600.00} or more. The absence of a 1099-C raises serious questions about the accuracy and legitimacy of the reported charge-off. 
In addition, I am requesting full validation and proof of ownership of this account, including but not limited to documentation regarding whether this account was securitized or sold. If this debt has been securitized, I request proof of the current holder in due course. 
Under the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information must not report information that it knows or has reasonable cause to believe is inaccurate. Continuing to report this account as charged-off without providing the legally required 1099-C and without validating ownership and securitization status constitutes a violation of federal law.

Additionally, under 15 U.S.C. 1681i ( a ) ( 1 ), I am demanding a reinvestigation of this account, and under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information you furnish.

Accordingly, I am requesting the following : 1. Proof that a valid IRS Form 1099-C was filed and sent to me if this account was truly canceled/charged off. 
XXXX. Complete documentation validating the debt, including the original signed agreement bearing my signature. 
XXXX. Proof of securitization or sale of this account, including chain of title and current holder in due course. 
XXXX. Removal of this account from all credit reporting agencies if you can not provide the above documentation in compliance with federal law. 
If you fail to comply within the time frame prescribed by law, I will have no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's office. I will also consider legal remedies for willful noncompliance. 
This letter is being sent to you in good faith with the intent of resolving this matter amicably and accurately. Please respond within the 30 days as required

Company response to consumer: Closed with non-monetary relief