Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint narrative:
Get Plus Content created using XXXX XXXX said : Great here are the finalized dispute letters addressed specifically to Experian, Equifax, and TransUnion, ready for use. You can print and mail them or submit the content via each bureaus online dispute portal. 

Dispute Letter to Experian XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Account XXXX XXXX XXXX  Account Number ( Partial ) : XXXX Dear Experian, I am writing to dispute inaccurate or incomplete information appearing on my credit report. The account in question, reported by XXXX XXXX XXXX, appears as a charge-off or set-off under the partial account number XXXX. 

I dispute the accuracy of this entry because : I was never issued a Form 1099-C for cancellation of debt, which is required by IRS regulations for debts over {$600.00}.

The nature of the charge-off or set-off is not clear or properly documented. 

I contacted XXXX XXXX XXXX  and was not provided with evidence supporting the validity of this listing. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you : Reinvestigate the account in question. 

Obtain written verification from the data furnisher ( XXXX XXXX XXXX  ). 

Remove or correct the information if it can not be verified within the 30-day timeframe. 

Enclosed are copies of my identification and proof of address. Please notify me of the results of your reinvestigation. 

Sincerely, XXXX XXXX Enclosures : Copy of ID, Proof of Address Dispute Letter to Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Account XXXX XXXX XXXX Account Number ( Partial ) : XXXX Dear Equifax, I am writing to dispute inaccurate information in my credit report concerning an account with XXXX  XXXX XXXX  , listed as a charge-off or set-off. I dispute this entry because : I never received a Form 1099-C as required for canceled debt over {$600.00}. 

The reporting lacks sufficient documentation and appears to be incorrect. 

My direct inquiries to XXXX XXXX XXXX  have not been resolved satisfactorily. 

Under the FCRA, I request : A reinvestigation of this account.

Verification of the debt from the original creditor.

Correction or deletion if the entry can not be verified.

Enclosed are copies of my ID and proof of address for identification. Please respond with the results of your investigation within 30 days. 

Sincerely, XXXX XXXX Enclosures : Copy of ID, Proof of Address Dispute Letter to TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To : TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Credit Report Entry XXXX XXXX XXXX  Account Number ( Partial ) : XXXX Dear TransUnion, This letter is to dispute an entry on my credit report from XXXX  XXXX XXXX , listed as a charge-off or set-off. I believe the account is reported inaccurately based on the following : I did not receive a Form 1099-C, which is required when debt is canceled or forgiven over {$600.00}.

The details of the charge-off or set-off are vague and unverified. 

I have contacted XXXX XXXX XXXX  but was not given sufficient information to support this reporting. 

Under the Fair Credit Reporting Act, I respectfully request : A full reinvestigation into the accuracy of this account.

Verification of the debt and status from the reporting creditor.

Removal or correction if proper documentation can not be produced.

Attached are identification and address verification documents for your records. Please provide written confirmation of your findings within 30 days.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation