Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : FORMAL DISPUTE LETTER VIOLATION OF FCRA, FDCPA, AND REQUEST FOR 1099-C Dear Equifax and TransUnion, I am writing to formally dispute the inaccurate and unverifiable information being reported on my credit file regarding an auto loan account. The account is listed under multiple names across different credit bureaus : 1. XXXX XXXX ( as reported by TransUnion ) 2. XXXX XXXXXXXX ( as reported by Equifax ) Despite these differing names, the accounts reflect the same balance of {$39000.00} and other inconsistencies that violate my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other federal consumer protection laws. 

Violations and Basis for Dispute 1. Violation of 15 U.S.C. 1681e ( b ) Failure to Maintain Accurate Reporting The creditor 's name is inconsistent across credit bureaus, which brings into question the accuracy and integrity of the reported information. If the creditor can not verify the true name of the account holder, the information must be deleted per FCRA regulations. 

2. Violation of 15 U.S.C. 1681b Unlawful Reporting Without Permissible Purpose If the lender has charged off this account, it should no longer be reported as an outstanding balance unless ownership has been properly verified. The continued reporting of a balance suggests an attempt to collect a debt that may have been forgiven or sold, in violation of consumer law. 

3. Request for Verification via 1099-C ( IRS Cancellation of Debt Form ) If this account has been truly charged off, I demand verification in the form of a 1099-C Cancellation of Debt form. Failure to provide this document indicates that the creditor is falsely reporting a charge-off without properly acknowledging the debt cancellation, which is a serious violation of FCRA and IRS regulations XXXX 

4. Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) Duty to Update and Correct Inaccurate Information The reporting of an account as a charge-off while still listing a balance is deceptive and must be corrected immediately. If the balance is truly outstanding, the creditor must verify that they are legally able to collect on the debt. Otherwise, the balance should be updated to zero.

Action R
equested Remove all inaccurate and unverifiable information related to this account from my credit report immediately. 

Provide written documentation from the original creditor verifying the debt, including a 1099-C form if applicable. 

Correct all inconsistencies between credit bureaus, as failure to report uniform and accurate information is a direct violation of the FCRA. 

Legal Notice As per 15 U.S.C. 1681i, you have 30 days to investigate and correct this matter. Failure to comply will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal remedies against all involved parties. 

I expect a written response confirming your compliance with the law within the legally mandated timeframe. Please send all correspondence to the address above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief