Consumer complaint received 2025-10-21 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: HI

Complaint narrative:
To Whom It May Concern, This is a formal dispute and legal demand for the immediate deletion of the above-referenced account from my credit file. 

As reported, the account states : XXXX XXXX XXXX # XXXX Account charged off. {$770.00} written off. {$770.00} past due as of XX/XX/XXXX. 

This reporting is materially inaccurate, inherently misleading, and in direct violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and IRS reporting standards. 



VIOLATIONS OF FEDERAL LAW : XXXX. FCRA 1681e ( b ) Failure to Assure Maximum Possible Accuracy Reporting both a charge-off ( i.e., a debt removed from the creditors books ) and a past-due balance is a direct contradiction. If a debt is charged off and written off, it is no longer legally collectible yet your file still reports it as due. This violates the FCRAs accuracy requirement. 

XXXX. FCRA 1681s-2 ( b ) Failure to Correct Inaccurate or Incomplete Information Data furnishers are required to update or delete inaccurate data after being notified of a dispute. Failure to do so after this letter would be a willful violation. 

XXXX. FCRA 1681i ( a ) Failure to Conduct a Reasonable Reinvestigation You are required to complete a full reinvestigation within 30 days and remove unverifiable, inaccurate, or contradictory information. 

XXXX. FCRA 1681i ( a ) ( 5 ) ( A ) Obligation to Delete Unverifiable Information If the creditor can not provide original, verifiable documents, you must delete the account from my file. 

XXXX. IRS 26 CFR 1.6050P-1 1099-C Filing Requirement for Canceled Debt If the creditor wrote off {$770.00}, they may have canceled the debt. No Form 1099-C has been issued, which raises a serious question : Was the debt truly canceled? 
If so, why was it not reported to the IRS? 
If it was not canceled, then why is it marked written off? 

This contradiction is deceptive, misleading, and illegal. 



I AM DEMANDING THE FOLLOWING : You have XXXX days to comply with federal law. I demand that you : XXXX. Immediately delete this account from my credit report, XXXX XXXX. Provide the following original documentation : A copy of the original signed contract bearing my signature ; A full accounting and charge-off calculation ; Confirmation of whether a Form XXXX was issued and submitted to the IRS ; Documentation from the original creditor confirming the current legal status of the debt. 

Automated records, database responses, or third-party verifications are not acceptable under FCRA 1681i. 



FINAL NOTICE : Failure to delete this account or provide full legal verification within 30 days will result in : A report to the Federal Trade Commission ( FTC ) A complaint to the IRS Office of the Inspector General Contact with my State Attorney Generals office Consideration of legal action for violations of FCRA 1681n and 1681o ( civil liability for willful and negligent noncompliance ) I expect full deletion or proper legal verification within the timeframe required by law. 

Sincerely, [ XXXX XXXX ] Date of Birth : [ XX/XX/XXXX ] SSN ( Last XXXX Digits ) : XXXX

Company response to consumer: Closed with explanation