Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ). I dispute the accuracy and completeness of the XXXX XXXX XXXX account referenced above. I request a thorough investigation and the immediate deletion of this account from XXXX, Equifax, and XXXX, as well as the removal of all late-payment notations associated with it. 

Factual Timeline 1.Initial Delinquency ( XXXX ) : The last payment I made on this account was in XXXX, after which the account became delinquent. 

2.Vehicle Surrender ( XXXX ) : I voluntarily surrendered the vehicle in early XXXX. 

3.Charge Off / Closure ( XXXX ) : XXXX XXXX XXXX was notified of the surrender in XX/XX/XXXX. The vehicle was later sold at auction, and the account was charged off and closed that same year. 

4.Settlement ( XX/XX/XXXX ) : I entered into a Settlement Offer Agreement with XXXX for {$6100.00}. XXXX failed to honor this agreement they did not provide receipts, added improper interest, and refused to honor the pay-to-delete term. 

Inaccuracies in Reporting False late-payment reporting : Despite being charged off and closed in XXXX, XXXX continues to report late payments and interest accruing for years afterward. This is factually impossible and must be deleted. 

Suspicious or unverifiable payments : Credit files show large payments from unknown sources that I did not make, which raises questions of either reporting errors or fraud. 

Breach of settlement terms : XXXX agreed to a settlement in XXXX but failed to properly account for it. Continuing to report derogatory information contradicts their own agreement. 

No 1099-C issued : If debt was cancelled, a 1099-C was legally required. XXXX did not issue this form, which makes their reporting inconsistent and unreliable. 

Legal Basis for Removal FCRA 1681i Reinvestigation duty : CRAs must delete or correct information that is inaccurate or unverifiable.

FCRA 1681s-2 ( b ) Furnisher duty : XXXX must investigate disputes and correct or delete false information.

FCRA 1681e ( b ) Accuracy standard : CRAs must ensure maximum possible accuracy ; continued late-payment reporting on a closed account is inaccurate. 

Relevant Precedent & Enforcement Actions : CFPB Consent Order ( XXXX ) : Found XXXX furnished false open/closed statuses and delinquency dates. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. ) : Court found XXXX negligent for failing to properly investigate disputes. 

XXXX XXXX XXXX ( XXXX ) : 34 states required XXXX to correct systemic reporting errors and unfair practices. 

DOJ Settlement : XXXX paid over $ XXXX for repossession practices that harmed service-members credit. 

These show a documented pattern of inaccurate reporting and noncompliance. 

Requested Relief I demand : 1.Deletion of the XXXX XXXX XXXX account from XXXX, Equifax, and XXXX. 

2.Removal of all late-payment notations tied to this account.

3.Written confirmation that this account has been deleted and will not be reinserted without proper certification.

Evidence Attached Santanders reporting of this account is indisputably inaccurate, unverifiable, and misleading. Both XXXX and the credit bureaus are obligated under the FCRA to delete unverifiable information.

Company response to consumer: Closed with explanation