Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
| Creditor & Account | Status/Type | Date Opened/Closed | Reported Amount | Date Disputed | Dispute Actions/Reasons | | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | | XXXX XXXX XXXX XXXX  | Charge-off | Closed, multiple CO marks XX/XX/XXXX | {$340.00} balance, {$340.00} past due | XX/XX/XXXX | Balance/amount is incorrectrequested full documentation ; asked for charge-off and past-due to be verified or corrected/deleted. | | XXXX XXXX - | Charge-off | Closed, delinquency in XXXX | {$150.00} balance, {$150.00} written off | XX/XX/XXXX | Balance/amount is incorrectdisputed amount and delinquency dates, requested itemized bill and true DOFD, or deletion. | | XXXX XXXXXXXX XXXX  XXXX | Collection ( medical ) | Closed | {$570.00} | XX/XX/XXXX | Not mine or balance wrongchallenged ownership, accuracy, and medical debt validity ; asked for complete billing and assignment proof. | | XXXX XXXX XXXX - XXXX ( XXXX ) | Opened XX/XX/XXXX | {$270.00} | XX/XX/XXXX | Balance/amount is incorrectdemanded XXXX billing XXXX assignment documentation, or immediate removal due to inaccuracies. | | XXXX XXXX XXXX - | Collection ( XXXX XXXX  ) | Opened XX/XX/XXXX | {$750.00} | XX/XX/XXXX | Balance/amount is incorrect ; duplicate balancechallenged re-aging, duplicate reporting ( with XXXX XXXXXXXX ), requested documentation or deletion. 
| Creditor / Type | Account ( Partial ) | Key Dates ( from report ) | Amount Reported | What You Disputed / Actions Taken | | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | XXXX XXXX XXXX XXXX  ( CC, charge-off ) | | Charge-off showing through XX/XX/XXXX with multiple CO months in XXXX library. | About {$340.00} balance and {$340.00} past due as of XX/XX/XXXX library. | Disputed as Balance/amount is incorrect, arguing charge-off balance and past-due are not accurate or verified ; requested documentation or deletion | | XXXX XXXX ( XXXX, charge-off ) | | Charge-off with continuing negative status codes into XXXX library. | About {$150.00} balance with {$150.00} written off/charged off library+1. | Disputed as Balance/amount is incorrect, challenging balance, past-due, and delinquency dates ; also questioned lack of 1099-C and asked for proof of cancellation or compliance, and correction/zeroing if canceled | | XXXXXXXX XXXX  Installment ( closed ) | | Shows at least one 30day late in payment grid ( XXXX depending on line ) library+1. | Remaining balance {$0.00} but with derogatory late marker library. | Disputed as Payment history is incorrect ; I did not make a 30day late payment on this account, and requested removal of any late codes or full documentation of the alleged delinquency | | XXXXXXXX XXXX Secured loan/credit builder || Shows 30 and 60day lates in history ( multiple months ) library+1. | Balance either low or paid off but with multiple late notations library. | Disputed as Payment history is incorrect ; the reported 30 and 60day late payments did not occur, requesting complete payment history and supporting evidence or removal of all late marks | | XXXXXXXX XXXX Additional tradeline ( if shown separately on XXXX XXXX | Another XXXX  entry ( masked in report ) | Similar late history entries tied to same Self product period library+1. | Small or {$0.00} balance but derogatory status due to lates library. | Treated as structurally inconsistent ; disputed lates as not verified/ inaccurate, and asked XXXX to either correct the grid to ontime or delete the tradeline if Self can not substantiate it | | XXXX XXXXXXXX XXXX XXXXXXXX ( medical collection ) | -- - | Collection reporting through XXXX with information disputed remark library. | About {$570.00} medical balance library. | Disputed balance accuracy and status ; requested full itemization and proof of liability, and stated that if not verified, it must be deleted | | XXXX XXXX XXXX ( XXXX XXXX | Collection status with dates tied to XXXX account ; updated into XXXX library. | About {$270.00} balance library. | Disputed as Balance/amount is incorrect and dates/status inaccurate, demanding billing records, proof of assignment, and correction or deletion if not verified | | XXXX XXXX XXXXXXXX XXXX XXXX  XXXX collection ) | | Opened XX/XX/XXXX ; collection codes ( C ) throughout XXXX, disputed remark already present library. | {$750.00} original and current balance ; {$750.00} past due as of XX/XX/XXXX library. | Disputed as Balance/amount is incorrect/ not verified, challenged lack of documentation, suspected reaging, and demanded that either XXXX prove the DOFD and ownership or delete ; also insisted no duplicate collectible balance with any XXXX XXXX tradeline library The statute focuses on accuracy, completeness, and permissible use of credit information, not directly on whether a 1099C was filed.

Lack of a 1099C alone is generally not an FCRA violation ; it becomes FCRArelevant only if the underlying information on the report ( balance, status, dates, ownership ) is inaccurate or unverified, which is where my strongest FCRA claims lie. Just felt as if somehow I've been violated besides being impacted with data breach from Equifax and XXXX XXXX XXXX

Company response to consumer: Closed with explanation