Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) Case # : XXXX Re : Dispute of Account Ending in XXXX XXXX XXXX Case # : XXXX To Whom It XXXX Concern : This letter is a formal dispute and demand for full investigation regarding the reporting of negative information associated with the above-referenced account, which I dispute as inaccurate, incomplete, and potentially misleading under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX. 

XXXX XXXX continues to report this account with multiple derogatory marks and a charge-off status while failing to comply with federal requirements for proper validation and reporting standards. As a consumer, I have a right to accurate, verifiable, and complete reporting, and XXXX XXXX has failed to meet those obligations. 

XXXX. Inaccurate and Unverified Reporting ( FCRA Violations ) You claim the reporting is accurate ; however, under FCRA XXXX ( a ), any item of information disputed by a consumer must be reinvestigated and validated. Simply referring to previous responses or restating allegations without verifiable documentation ( including signed contracts or agreements ) is not sufficient under the law. Your response fails to demonstrate proper investigation or third-party verification from the original creditor. 

XXXX. Request for XXXX ( IRS XXXX XXXX ) You acknowledged that the account was charged off, but provided unclear language regarding whether the debt was ultimately cancelled or forgiven. Under IRS regulations, any cancellation of debt over {$600.00} requires you to issue a Form XXXX to the consumer. I demand immediate clarification : Was a XXXX issued? 

If so, when and to what address? 

If not, and the account is no longer being collected, I request the account be reported as paid, settled, or forgiven and removed from all credit reporting agencies in accordance with FCRA and IRS guidelines. 

XXXX. Right to Original Documentation ( TILA XXXX & FDCPA XXXX ) Per the Truth in Lending Act and Fair Debt Collection Practices Act, I request : A copy of the original signed contract establishing this account A complete payment history, including interest calculations and fees All notices of default, charge-off, and changes in terms Proof of continued ownership and right to collect Failure to provide this documentation within a reasonable time frame constitutes a failure to validate this debt, and I will demand the immediate deletion of all related derogatory information from all consumer reporting agencies under FCRA XXXX. 

XXXX. Dispute of XXXX Payments XXXX XXXX claim regarding returned payments as justification for late reporting is legally questionable. I request proof of these alleged return transactions, including : Dates and reasons for return Payment method details Proof of customer notification Proof that these returns were not due to any XXXX XXXX processing error If you are unable to provide this, the late marks from XX/XX/XXXX through XX/XX/XXXX are unverified and must be removed. 

XXXX. Request for Deletion Based on Incomplete/Unverifiable Information Since the debt is : Charged-off Lacks documented, verifiable ownership Potentially forgiven ( pending XXXX ) Missing critical supporting documentation I demand permanent deletion of this account from all consumer reporting agencies pursuant to FCRA XXXX and XXXX ( b ) due to failure to verify the accuracy and completeness of the data furnished. 

Final Notice Please be advised that I am keeping detailed records of all communications and will not hesitate to : File complaints with the FTC, CFPB, and state attorney general Seek legal counsel for violations of the FCRA, XXXX, and FDCPA I expect your response and full validation within XXXX business days. Failure to comply will result in escalation of this matter. 

Sincerely, XXXX XXXX XXXX : XXXX Phone : XXXX

Company response to consumer: Closed with non-monetary relief