Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Via Certified Mail Return Receipt Requested Experian XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Inaccurate and Fraudulent Reporting XXXX XXXX XXXX Account XXXX XXXX To Whom It May Concern, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ) demanding the immediate deletion of the above-referenced account from my credit file. The reporting of this account is inaccurate, misleading, and fraudulent. 



Grounds for Dispute & Violations : 1. Fraudulent Responsibility This account does not belong to me. The financial obligation lies with XXXX XXXX and XXXX XXXX ( XXXX : XX/XX/XXXX ). 
XXXX XXXX made all payments from her own bank account and was the primary driver. She did not possess a valid drivers license, and XXXX of XXXX improperly required a co-sign, violating lending and dealership policies. 
2. False Payment Reporting The vehicle was repossessed on XX/XX/XXXX, yet XXXX XXXX XXXX continues to misreport. 
They falsely reported a last payment of XX/XX/XXXX, which was never authorized by me. 
3. Charge-Off Misreporting & Re-aging The account was charged-off in XX/XX/XXXX with {$21000.00} written off. 
By unlawfully updating the closed date to XX/XX/XXXX and continuing to report as if it were active, XXXX XXXX XXXX is re-aging the account, which violates 15 U.S.C. 1681 and FCRA rules. 
A charge-off is a one-time event and can not be reported every month. 
4. Failure to File IRS Form 1099-C XXXX XXXX XXXX must provide proof that they filed a 1099-C cancellation of debt with the IRS showing profit loss XXXX 
If no 1099-C exists, then the debt is no longer legally collectible, and failure to file constitutes business tax fraud.

5. Debt Ownership & Securitization XXXX XXXX XXXX must stop claiming to be the lender. They did not lend the money the bank securitized all debt. 
If the obligation was securitized, transferred, or sold, XXXX XXXX XXXX has no legal standing to continue reporting. 
6. Required Documentation I demand that the credit bureaus obtain the following from XXXX XXXX XXXX to verify accuracy : Original signed purchase/finance agreement Proof XXXX XXXX XXXX actually lent the funds IRS Form 1099-C for debt cancellation Flow agreement, trust/transfer assignment, and bill of sale Insurance claim and account-level documentation Proof of licensing and bonding to collect in Tennessee Full breakdown of principal, interest, and fees Last billing statement prior to charge-off Chain of assignment verifying legal collection rights 7. Consumer Law & Data Breach Continuing to report inaccurate and unauthorized personal information constitutes a data breach and consumer law violation. 
My personal information has been unlawfully shared, exposing XXXX XXXX XXXX and the credit bureaus to liability. 



Legal Citations of Violations : FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits furnishing inaccurate information.

FCRA 1681i : Requires reasonable reinvestigation of disputed accounts.

FCRA 1681 : Prohibits repeated charge-off reporting.

UCC 9-611 & 9-613 : Requires proper repossession notice and disclosures.

FDCPA ( 15 USC 1692 ) : Prohibits attempts to collect debts not authorized by law or contract.

Consumer Law & Data Breach Protections.

Demand for Immediate Action : 1. Delete this account in its entirety from my credit profile with Experian, TransUnion, and Equifax. 
2. Provide me with all documentation obtained from XXXX XXXX XXXX verifying the accuracy of this account. 
3. Cease reporting until complete validation is provided.

If you fail to comply, I will pursue venue arbitration and/or file suit under the FCRA, FDCPA, UCC, and Data Breach laws, seeking {$1000.00} per violation plus monetary damages. 

You are hereby put on notice : If XXXX XXXX XXXX can not prove this debt is valid, you must delete it. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief