Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Formal Dispute of Inaccurate Reporting Account # XXXX ( XXXX XXXX XXXX / XXXX ) To Whom It May Concern, This is a formal dispute and demand for correction under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding the account below which is inaccurately and misleadingly reported on my credit file : Creditor : XXXX XXXX XXXX XXXX / XXXX Account Number : XXXX Dispute Reason : Ongoing false reporting of a charge-off status with balance due and monthly updates despite no collection activity since XXXX. 
Grounds for Dispute : XXXX has admitted in multiple written CFPB responses that : The account was charged off in XX/XX/XXXX. 
They have not canceled, forgiven, or settled the account. 
They have not sold or transferred the account. 
They declined to issue IRS Form 1099-C, claiming the debt is still active yet failed to provide proof of ongoing collection activity since XXXX. 
Despite this, the tradeline is still being updated monthly as CC ( Charge-Off Collection ) with a balance, which creates a misleading and damaging portrayal of a continually delinquent account.

This reporting : Falsely implies active collection efforts, which XXXX can not prove. 
Is deceptive and outdated, appearing as a new delinquency every month. 
Is in violation of : FCRA 1681s-2 ( a ) prohibiting inaccurate or misleading credit reporting.

FCRA 611 entitling consumers to dispute and correct incorrect tradelines.

Legal and Factual Support : IRS regulations ( 26 CFR 1.6050P-1 ) require creditors to issue Form 1099-C after 36 months of non-payment or abandonment of collection. XXXX has not met this duty nor proved compliance. 
A charge-off is a one-time accounting event, not an ongoing delinquency, and should not be reported monthly unless lawful, verifiable collection is occurring. 
CFPB Complaint Evidence : I have submitted four complaints to the Consumer Financial Protection Bureau regarding this matter. XXXX written responses verify the above inaccuracies : CFPB Complaint ID : XXXX ( XX/XX/XXXX ) CFPB Complaint ID : XXXX ( XX/XX/XXXX ) CFPB Complaint ID : XXXX ( XX/XX/XXXX ) CFPB Complaint ID : XXXX ( XX/XX/XXXX ) DEMAND FOR ACTION : Pursuant to FCRA 611, I formally request : An immediate reinvestigation of this account.

Removal of all CC notations and monthly updates from XX/XX/XXXX forward. 
If XXXX XXXX XXXX can not provide proof of lawful, active collection efforts since XXXX, this account should be deleted entirely from my credit file. 
A full explanation of your reinvestigation findings and outcome within 30 days. 
Attached Documents : Copy of my credit report showing XXXX account Copies of XXXX 's CFPB responses ( confirming no discharge, no sale, and no 1099-C ) My original written dispute to XXXX referencing FCRA and IRS 1099-C guidelines Failure to comply may result in legal action under FCRA 616617 for negligent or willful noncompliance. I reserve my right to escalate this matter to the FTC, CFPB, and state regulators if not resolved properly and promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation