Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute inaccurate and potentially unlawful information being reported on my credit file regarding an auto loan account with XXXX XXXX, opened on or about XX/XX/XXXX. 

On XX/XX/XXXX, this account was marked as a charge-off with a remaining balance of {$6500.00} and a high balance of {$15000.00}. This reporting is both incomplete and inaccurate, and I demand a reinvestigation under the Fair Credit Reporting Act ( FCRA ). 

Heres why this account must be corrected or removed : XXXX. No Notice of Repossession or Sale : I was never notified of XXXX intent to repossess or sell the vehicle. Under UCC rules and state repossession laws, creditors are required to issue advance notice before and after repossessionespecially prior to any sale. Without this documentation, the balance they claim is unsubstantiated. 
XXXX. Charge-Off Status Requires IRS Form 1099-C : A charge-off, particularly one where the amount exceeds {$600.00}, often triggers debt cancellation, in which case a Form 1099-C must be issued and reported to the IRS. I have not received a 1099-C, and if XXXX has filed one without my knowledge, this is a serious compliance violation. If no 1099-C exists, they must provide proof that the debt is still legally owed. 
XXXX. No Validation Provided : I have never received any of the following, which are required to validate this account : A signed original retail installment contract A complete payment history A breakdown of the repossession process and any resale proceeds Documentation showing XXXX legal right to collect or report on this account XXXX. Misleading Reporting Language : The remark Dispute resolved subscriber disagrees is inaccurate and misleading. I have not agreed to resolution and continue to challenge the legitimacy of the account. Under FCRA 1681i, credit bureaus must ensure that any unresolved dispute is accurately marked as Account in Disputenot resolved when it clearly isnt. 



My Formal Requests : I am requesting that Equifax and Experian immediately : XXXX. Delete the XXXX XXXX account from my credit file due to lack of proper documentation, missing notices, and non-compliance with FCRA and IRS reporting laws. 
XXXX. If not deleted, the account must be updated to reflect : A {$0.00} balance if the debt was forgiven or written off The remark : Account in dispute by consumer Removal of : Dispute resolved subscriber disagrees Full account validation including all missing legal documents XXXX. Confirm whether XXXX XXXX has filed a 1099-C with the IRS, and if so, demand that XXXX provide a copy to me immediately as required by law. 
XXXX. Cease all reporting if the above can not be produced within 30 days as required by FCRA 611. 



I am also filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and reserving my rights to pursue legal action under the FCRA, FDCPA, and IRS Code if the matter is not resolved promptly and accurately. 

Please provide the results of your reinvestigation and a copy of my updated credit file upon completion.

Company response to consumer: Closed with non-monetary relief