Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy, legality, and reporting of the following account appearing on my consumer credit report : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/year> Status Reported : Paid, Closed {$860.00} Written Off Credit Limit : {$500.00} Highest Balance : {$860.00} Inaccurate and Contradictory Reporting This account is being reported as Paid, Closed while simultaneously stating {$860.00} written off. These designations are mutually exclusive and materially misleading. 
A written-off ( charged-off ) account can not also be reported as paid Reporting it as both violates the requirement that credit information be complete, accurate, and not misleading This constitutes inaccurate reporting under federal law. 



Violations of the Fair Credit Reporting Act ( FCRA ) This account violates the following provisions of the FCRA, 15 U.S.C. 1681 et seq. : 1681s-2 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or should know is inaccurate 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy 1681c ( a ) ( 2 ) Inaccurate or misleading information may not be reported 1681 ( a ) ( 1 ) The purpose of the FCRA is to ensure fairness, accuracy, and privacy of credit reporting Reporting a written-off amount as paid misrepresents the true nature of the account and unfairly damages my credit profile.

Debt Validation Demand ( FDCPA ) To date, I have not been provided proper debt validation for this account.

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting full validation of this alleged debt, including but not limited to : 1. A copy of the original contract or agreement bearing my wet-ink signature 2. Proof that WebBank / OneMain / FIS has the legal right to collect or report this debt 3. A complete itemized accounting showing how the balance exceeded the stated {$500.00} credit limit 4. Documentation showing the exact date and method by which the account was allegedly paid or written off 5. Proof that this account was accurately and lawfully furnished to the credit bureaus Electronic summaries, screenshots, or account statements do not satisfy validation requirements.

Failure to Validate Requires Deletion If you are unable to produce the requested documentation within the time allowed by law, you are required to : Cease reporting this account Delete the account from all consumer reporting agencies Refrain from further furnishing inaccurate information Continued reporting without proper validation constitutes willful non-compliance, exposing the furnisher and/or credit bureau to liability under FCRA 1681n and 1681o.

Formal Demand Accordingly, I am requesting one of the following actions : 1. Immediate deletion of this account due to inaccurate and unverifiable reporting OR 2. Full compliance with my validation request, including wet-signature documentation Please complete your investigation and respond in writing within 30 days, as required by federal law.

Notice of Rights This letter serves as formal notice that I am documenting all correspondence. Failure to comply may result in complaints filed with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney General Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief