Consumer complaint received 2025-04-24 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: OH

Complaint narrative:
I am submitting this follow-up complaint to formally reiterate that the continued reporting of the XXXXXXXX XXXX  account ( Account Ending in XXXX ) is both unlawful and inconsistent with federal statutes. Despite multiple disputes, this account remains inaccurately listed on my credit file as a charge-off, violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

In accordance with 15 U.S.C. 1681i, consumer reporting agencies are required to conduct a reasonable reinvestigation and remove unverifiable or inaccurate data within 30 days of notification. I submitted my FTC Identity Theft Report ( Report XXXX : XXXX ) and accompanying documentation, yet no corrective action has been taken. Additionally, under 15 U.S.C. 1681c-2, the bureaus are required to block fraudulent information from a victims file within XXXX business days of receiving proper noticeagain, this has not been done. 

Further compounding the violation is the reporting of the XXXXXXXX XXXX account as a charge-off, which has serious tax and legal implications. Under IRS regulations ( 26 U.S. Code 6050P ), any creditor that discharges a debt of {$600.00} or more must issue a Form XXXX, Cancellation of Debt, to both the debtor and the IRS. I have not received any such form from XXXXXXXX XXXX or any related entity, indicating that the account has not been officially canceled or forgiven under IRS standards. 

Therefore, continuing to report this account as a charge-off while failing to comply with federal tax reporting requirements raises questions of accuracy, legality, and compliance with both the FCRA and IRS Code . Reporting a charge-off without fulfilling IRS obligations is misleading and further underscores the need for deletion.

Additionally, the following unauthorized hard inquiries also remain on my report and are being disputed once again : XXXX XXXX buy XX/XX/XXXX XXXX Card XXXX XX/XX/XXXX As defined under 15 U.S.C. 1681b, no entity may access a consumer credit report without a permissible purpose. I have never provided authorization for these inquiries and demand documented proof of such authorization.

To support this complaint, I have attached : A new FTC Identity Theft Report documenting the fraudulent activity on my credit file ; A new formal dispute letter ; All previous dispute letters and supporting documentation for reference. 

This continued failure to comply with FCRA and related laws mirrors the ongoing CFPB litigation against the credit bureaus for systemic misconduct and deceptive consumer reporting practices. These unresolved violations have resulted in serious financial harm, including credit denials, employment obstacles, and ongoing emotional distressall compensable under 15 U.S.C. 1681n and 1681o. 

I demand the immediate deletion of the XXXX Bank account and all unauthorized inquiries. Should you fail to act, I will escalate this complaint further to federal enforcement agencies and consider all legal remedies available.

Company response to consumer: Closed with non-monetary relief