Consumer complaint received 2024-11-16 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:
XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX **Re : Request for Deletion and Removal of Charged-Off Account Account Name : XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Original Balance : {$17000.00} Dear, CFPB This letter serves as my **fifth request** for the deletion and removal of a charged-off account with XXXX XXXX. Despite XXXX prior attempts to obtain a XXXX form** related to the cancellation of the debt associated with this account, I have yet to receive any response or acknowledgment from your office. This lack of action is a direct violation of both my rights under federal tax law and consumer protection laws related to credit reporting. As stipulated by Internal Revenue Code ( IRC ) XXXX, XXXX XXXX is legally required to issue a XXXX form when a debt of {$600.00} or more is canceled. The failure to issue this form constitutes a violation of federal law, as you are obligated to report cancelled debts to both the IRS and the consumer. This issue has gone unresolved for far too long. To mention as well, this account is reporting inaccurate information as cross all three credit bureaus with false information. Furthermore, under the XXXXFair Credit Reporting Act ( FCRA ) XXXX, all information reported to credit bureaus must be accurate and complete. The ongoing reporting of this charged-off account is not only incorrect but also misleading. As per the FCRA, if an account is charged off or forgiven, and if the debt is cancelled, the report must reflect this cancellation, and the account should be removed from my credit report or marked as paid or settled with a XXXX balance. The continued reporting of this account as an open, charged-off balance, without issuing the required XXXX, is an inaccurate representation of my financial obligations and violates my rights under the FCRA. 

As a consumer, I am entitled to accurate reporting and full transparency regarding any debt that has been forgiven or settled. By failing to issue a XXXX form** and continuing to report a charged-off account, XXXX XXXX is infringing upon my XXXX XXXX the **Fair Debt Collection Practices Act ( FDCPA ) **, which protects consumers from misleading and unfair practices by debt collectors and creditors. 

I request the immediate removal of this charged-off account from my credit report and the deletion of all associated negative entries that do not reflect the true status of the debt. This includes removing any record of the account that reflects it as charged off or in default if the debt has been forgiven or settled. 

Please delete and remove all this account. 

Account Name : XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Original Balance : {$17000.00} If this matter is not resolved within 15 days, I will be forced to pursue further action, which XXXX include : XXXX. Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for failure to comply with **credit reporting laws. 
XXXX. Reporting this noncompliance to the Federal Trade Commission ( FTC ) and the Internal Revenue Service ( IRS ) for failure to issue the required XXXX form. 
XXXX. Seeking legal recourse for any violations under the Fair Credit Reporting Act and other applicable laws. 

I expect written confirmation of these actions within XXXX days from the date of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation