Consumer complaint received 2025-06-11 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: AL

Complaint narrative:
Date : XX/XX/XXXXXXXX  To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX Washington, D.C. XXXX Subject : Formal Dispute of Inaccurate & amp ; Unverifiable Account Under FCRA Request for Investigation and Deletion Dear CFPB Officer, I am writing to formally dispute a derogatory account appearing on my TransUnion credit report from XXXX XXXX XXXX. This account is reporting as a charge-off, but the information is inaccurate, unverifiable, and misleading. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2 ( Duties of furnishers of information ) and 15 U.S. 
Code 1681e ( b ) ( Accuracy of report ), I am requesting a full investigation and permanent deletion of this entry.

Account Details : - Creditor : XXXX XXXX XXXX XXXX Account Type : Automobile Loan - Balance : {$9300.00} - Last Payment : XX/XX/XXXXXXXX  - Opened : XX/XX/XXXX - Term : 48 Months - Status : Charged Off, Profit and Loss Write-Off - Worst Payment Status : 6089 Days Late Legal Grounds for Deletion : - No Original Documentation : I have never been provided with any original signed contracts or documentation verifying the full legal validity of this debt, as required under FCRA 609 ( a ) ( 1 ). 
- Failure to Send 1099-C : If this debt was legitimately charged off and reported as a profit and loss write-off, the creditor was legally obligated to issue IRS Form 1099-C. To date, I have not received a 1099-C, which calls into question the legitimacy of the charge-off and the legality of the reporting.

- Inaccurate & amp ; Incomplete Reporting : The payment history on this account is inconsistent and derogatory even after closure. This constitutes incomplete or misleading information, violating FCRA 1681e ( b ), which requires that information furnished is complete and accurate.

- Furnisher & # 39 ; s Duty to Investigate : Under FCRA 1681s-2, data furnishers must correct and update information that is not complete or accurate. If they are unable to verify the account with proper documentation, they are required to remove it.

- Metro 2 Compliance Violation : The reporting of this account is not aligned with Metro 2 compliance standards as required by the XXXX XXXX XXXX XXXX ( XXXX ). 
This includes the failure to properly report accurate payment history and account closure in a manner that does not mislead or unfairly damage creditworthiness. 
- Ongoing Harm Without Validation : This derogatory mark continues to harm my credit profile, yet it has not been validated or updated appropriately during the dispute process. 
If the furnisher can not validate the information with original documentation, it must be deleted under FCRA 611 ( a ) ( 5 ) ( A ). 

Requested Action : 1. Open a full investigation into this account with TransUnion. 

2. Require XXXX XXXX XXXXXXXX to provide complete verification, including : - Original signed contract. 
- A copy of the 1099-C, if a charge-off was legitimately filed.

3. If this can not be provided within the 30-day dispute window, instruct TransUnion to permanently delete the account from my credit report in accordance with FCRA and Metro 2 standards.

I have attached visual documentation of this account from XXXX XXXX. Please notify me with the results of this investigation and any actions taken. 



I am writing to dispute a charge off on my credit report the account is listed without an account number and is listed as charged off every month. However, you can only charge off an account once. Also, if it were charged off, I would have received the requested 1099c which makes it impossible for me to verity its validity or confirm if it belongs to me. To assist with this matter, I ask that you also review the payment history associated with this account. Without a valid account number or accurate payment history, I am unable to have confidence in the accuracy of this alleged account. Please conduct a thorough investigation and remove the account immediately. Please be advised that If 1 receive any Stall tactics to buy yourself time, I will be forced to escalate this with the CFPB, FTC and my States Attorney Generals I trust you understand the seriousness of this matter, as it is directly impacts my ability to qualify for credit, which causing further damage to my financial well-being. Thank you for your immediate attention,

Company response to consumer: Closed with explanation