Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Email : XXXX Phone : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Regarding Charged-Off Auto Loan and Absence of XXXX Reporting To Whom It May Concern, I am writing to formally file a complaint regarding a charged-off auto loan account appearing on my credit report with a balance of {$11000.00}. According to my credit file, this account was first charged off in XX/XX/XXXX. However, to date, I have not received a XXXX XXXX ( XXXX of XXXX ) from the creditor or any affiliated entity. 
As part of my due diligence, I have asked XXXX via a letter on XX/XX/XXXX to provide me with a validation of debt and a copy of the XXXX to validate the validity of the charge-off. I have attached the XXXX proof of delivery of this certified letter, which they have received on XX/XX/XXXX, but to date have fail to respond. I further validated my position by requesting a Wage and Income Transcript from the IRS for the tax year XXXX, ( attached ) and I found there is no XXXX for the alleged charge-off of {$11000.00}. 
I also submitted certified mail requests to the credit bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently on XX/XX/XXXX, asking them to investigate this account. It remains listed as " verified '' despite the fact that the creditor has not responded to my repeated and reasonable requests for debt validation and a copy of the XXXX. 
I have made every reasonable attempt to contact this company, yet my letter remains unanswered. The absence of a XXXX raises questions regarding the legitimacy of the charge-off and whether the creditor has complied with IRS reporting obligations under XXXX XXXX Code XXXX the XXXX has truly been charged off and forgiven, the IRS requires that a XXXX be XXXX and furnished to the debtor. The absence of such documentation is inconsistent with the charge-off status reported to consumer credit bureaus and could result in confusion and potential tax consequences. 
This also raises concerns under the Fair Credit Reporting Act ( FCRA ), as the continuing reporting of an unverified and potentially misclassified debt XXXX be materially XXXX misleading. 
I respectfully request the following : 1. That your office initiates an investigation into the creditors compliance with federal reporting requirements for this charged-off debt.

2. That the creditor be asked to furnish documentation regarding the current legal status of the debt, including whether the debt has been sold, forgiven, or remains collectible.

3. That any inaccurate, incomplete, or unverifiable information be corrected or removed from my credit report in accordance with FCRA guidelines. 
Thank you for your attention to this matter. I look forward to your findings and appreciate your assistance in ensuring transparency and compliance from all parties involved. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation