Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
FCRA Dispute - XXXX XXXX XXXX XXXX XXXX XXXX, To Whom It May Concern : I am writing to formally dispute the accuracy of the above-referenced account reported on my consumer report. The account is being reported as a charge-off by XXXX XXXX XXXX XXXX XXXX XXXX. 
Factual Background : 1. My note was assigned and securitized into the XXXX XXXX XXXX ( XXXX XXXX XXXX ), as documented in XXXX XXXX XXXX 's own SEC filings ( Form 8-K and related documents ). 
XXXX. XXXX XXXX XXXX no longer owns the note at the time of the reported charge-off. 
3. Reporting a charge-off for an account no longer owned by the creditor is inaccurate and misleading under FCRA 1681s-2 , which requires furnishers to report complete and accurate information.

4. The charge-off represents income derived from my note, which is considered nonpublic personal information. Reporting it without proper authorization may violate principles of privacy under GLBA ( 15 U.S.C. 6801-6809 ).

Evidence of Assignment : - SEC filings confirm that XXXX XXXX XXXX sold my lease/loan receivable to XXXXXXXX XXXX XXXXXXXX XXXX which then conveyed all rights, title, and interest to the XXXX XXXX XXXX XXXX 
- A Receivables Purchase Agreement between XXXX ( the Seller ), XXXXXXXX XXXX XXXX  ( Depositor ), XXXX XXXX ( Issuer ), and XXXX XXXX XXXX ( Indenture Trustee ) shows that all contractual rights were assigned to the trust, including my note. 
- These filings demonstrate that XXXX XXXX XXXX XXXX XXXX XXXX had no legal authority to charge off or report delinquencies after the assignment. 
Requested Action : 1. Investigate this account 2. Update or delete the tradeline to reflect that XXXX XXXX XXXX no longer owned this note at the time of the reported charge-off. 
3. Ensure any reporting of balances, delinquencies, or charge-offs for this account is removed.

4. Provide written confirmation of the results of your investigation.

Under FCRA 1681i, you are required to complete your investigation within 30 days and provide me with written results.

Please be advised that under 15 U.S.C. 1681i and 1681e ( b ), Experian, Transunion, and Equifax has a legal obligation to conduct a reasonable reinvestigation and to ensure that the information reported on consumer reports is complete and accurate. Failure to comply with these obligations, or continued reporting of information that can not be verified, may constitute a violation of the Fair Credit Reporting Act, for which Experian may be held liable for actual, statutory, or punitive damages, including attorney 's fees. 

Evidence of assignment Prospectus Excerpt ( 424B5, HALST 2025A ) The principal assets of the issuing entity will be a pool of receivables which are retail installment sale contracts secured by vehicles The issuing entity will grant a security interest in the receivables to the indenture trustee on behalf of the noteholders. ( p. S-13, Section : Sale of Receivables ) Indenture Excerpt From the Granting Clause ( Indenture, XXXX ) : the receivables the Financed Vehicles all proceeded ( collectively, the Collateral ). ( Indenture, Granting Clause, p. 2 ) Sale & Servicing Agreement Excerpt On or before the Closing Date, XXXX will sell the receivables to the depositor the depositor will then sell those receivables to the issuing entity The issuing entity will grant a security interest in the receivables to the indenture trustee for the benefit of noteholders. ( PSA, Section 2.1, p. 10 ) All the above referenced filings are PUBLIC INFORMATION and can easily be found on the Security Exchange Commissions official website where XXXX XXXX XXXX its partners and affiliates are required by LAW to disclose this information. 


Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation