Consumer complaint received 2025-03-13 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.
State: GA

Complaint narrative:
FINAL LEGAL NOTICE DEMAND FOR IMMEDIATE DELETION OF ILLEGAL CHARGE-OFF REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX Via Certified Mail & Electronic Submission To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX : Consumer Financial Protection Bureau XXXX CFPB ) Case No : XXXX Federal Trade Commission ( FTC ) Georgia State Attorney General Internal Revenue Service ( IRS ) U.S. Department of the Treasury Equifax Information Services XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Office of the Comptroller of the Currency ( OCC ) ( Regulates National Banks ) XXXX XXXX XXXX XXXX XXXX  ) Complaint Filed Subject : FINAL DEMAND Immediate Deletion of Charge-Off Due to False Credit Reporting , Unauthorized Reporting & IRS Noncompliance To Whom It May Concern, This letter serves as my FINAL NOTICE before I take legal and regulatory action against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for multiple violations of : Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692 IRS Code 26 U.S. Code 6050P Unauthorized Credit Reporting Practices 1. FCRA Violations False Reporting of Charge-Off & Late Payment History XXXX XXXX XXXX XXXX is knowingly falsely reporting inconsistent, inaccurate, and unverifiable information across all three credit bureaus, violating FCRA 1681s-2 ( b ) ( Duties of Furnishers to Report Accurate Information ). 

Contradictory Reporting Proof : XXXX reports the last payment as XX/XX/XXXX Equifax reports the last payment as XX/XX/XXXX, yet falsely states I was 90 days late 20 times before this date XXXX reports the last payment as XX/XX/XXXX, yet falsely states I was 90 days late 5 times before this date These discrepancies prove that XXXX XXXX is knowingly furnishing false and conflicting information, which is a willful FCRA violation. 

2. Violation of FCRA 1681b Unauthorized Credit Reporting I never provided XXXX XXXX XXXX XXXX permission to report this account to the credit bureaus.

FCRA 1681b ( a ) requires a permissible purpose for a company to furnish information to credit bureaus. 
If XXXX XXXX can not provide documented proof that I authorized this reporting, they are in direct violation of the law. 

3. IRS Violation Failure to Issue 1099-C for Charge-Off Under IRS Code 26 U.S. Code 6050P, a creditor must issue a 1099-C when a debt of {$600.00} or more is charged off. 
XXXX XXXX confirmed that no 1099-C was issued, yet they continue to report a charge-off.

If the debt was legally canceled, a 1099-C must be issued. 
If the debt is still owed, XXXX XXXX must provide legal proof that it is enforceable. 

4. FDCPA Violation Misrepresentation of Debt ( 15 U.S. Code 1692e ) XXXX XXXX is misrepresenting the status of my debt by reporting contradictory payment history. 
XXXX XXXX is falsely reporting a charge-off while failing to issue a required 1099-C.

This constitutes deceptive and misleading credit reporting under FDCPA 1692e.

5. DEMAND FOR IMMEDIATE ACTION XXXX XXXX must immediately : DELETE the XXXX Card charge-off from all credit bureaus ( XXXX, Equifax, and XXXX ) XXXX 
Provide written confirmation that the charge-off has been deleted. 
Cease all reporting of this account unless fully corrected and legally substantiated. 
Provide documented proof of my authorization for credit reporting. 

Failure to comply within 10 days will result in full legal action. 

6. Legal Consequences for Noncompliance If XXXX XXXX fails to comply within 10 days, I will : File a lawsuit in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX seeking damages of {$1000.00} per FCRA violation, plus actual damages, emotional distress, and punitive damages. 
Submit a formal IRS complaint for failure to issue a 1099-C.

Escalate complaints to the OCC ( XXXX XXXX XXXX XXXX XXXX ), CFPB, FTC, and Georgia State Attorney General. 
File a complaint with the XXXX XXXX XXXX XXXX XXXX  ) regarding XXXX XXXX deceptive and unlawful credit reporting. 
Request a federal audit of XXXX XXXX credit reporting practices to determine if this is a systemic issue affecting other consumers. 
Demand access to all internal dispute records, audit trails, and verification methods used by XXXX XXXX to validate this charge-off under FCRA 1681i ( a ) ( 7 ).

7. Final Warning XXXX XXXX has previously been fined by the CFPB for XXXX XXXX credit reporting violations. I will provide the CFPB with further evidence that XXXX XXXX is knowingly engaging in repeated FCRA violations. 

I expect a written response within 10 days. If I do not receive confirmation that this charge-off has been deleted, I will immediately escalate legal and regulatory action. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief