Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Demand for Removal of Charge-Off from Credit Report and Violation of Federal XXXXLawsXXXXXXXX XXXX XXXXI am writing to formally request the immediate removal of the charge-off reported on my credit XXXXfile under account number XXXX After thoroughly reviewing the details of this XXXXaccount and considering applicable federal laws, I believe this charge-off entry is being reported \nin violation of several consumer protection statutes, including 15 USC 1692c(c), 15 USC XXXX1681(b), and 15 USC 1635XXXX1. 15 USC 1692c(c) - Communication After Cease and Desist Request\nUnder 15 USC 1692c(c), I have made prior requests for cessation of communications related to \nthis debt. If I had previously notified you to cease communications, any subsequent collection \nactivities related to this debt should have been discontinued in accordance with the Fair Debt XXXXCollection Practices Act (FDCPA). Therefore, I demand the removal of any reporting associated XXXXwith this charge-off, as continued reporting after my cease and desist request is a violation of this XXXXstatuteXXXX2. 15 USC 1681(b) - Duty to Report Accurate Information\nUnder 15 USC 1681(b), it is the responsibility of creditors and debt collectors to ensure that all \ninformation provided to credit reporting agencies is accurate. Reporting this account as a chargeXXXX02off is misleading and fails to reflect the true nature of the account, especially if it does not XXXXaccurately represent the original terms of the agreement or contains errors regarding amounts \nowed, dates of delinquency, or payment history.XXXXIf any incorrect information has been reported, I request that this charge-off be removed from my \ncredit file, as required by the Fair Credit Reporting Act (FCRA).\n3. 15 USC 1635 - Right to Rescind Contracts\nIn accordance with 15 USC 1635, I have the right to rescind any contract involving credit or loan XXXXagreements within three days of signing, provided certain conditions are met. If applicable, and if \nI was not properly informed of this right or if the agreement failed to meet necessary legal XXXXstandards, I demand that the charge-off be removed from my report as the transaction could be \ninvalid under these termsXXXXRequest for Immediate Action\nGiven the above, I demand that you take the following actions immediatelyXXXX1. Remove the charge-off associated with [Account Number] from all credit reporting XXXXagenciesXXXX2. Provide me with written confirmation that the charge-off has been removed from my \ncredit report.\n3. Cease any further collection efforts or reporting related to this account that violate the \nFair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA).\nShould you fail to remove this charge-off within XXXX  days of receiving this letter, I will have no XXXXchoice but to file a formal dispute with the credit bureaus and, if necessary, take legal action to XXXXprotect my rights under the Fair Debt Collection Practices Act and Fair Credit Reporting Act.XXXXPlease provide a written response to confirm the actions taken regarding my request at the XXXXearliestXXXXThank you for your prompt attention to this matterXXXXSincerelyXXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief