vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to express my serious concerns regarding multiple unsuccessful attempts to remove inaccurate items from my credit report. I have attached relevant documentation, including previous dispute letters and supporting evidence, for your reference.

I first contacted Credit Bureaus to dispute the presence of inaccurate items on my credit report. These items includefraud items that are needs to be removed immediately. I provided evidence supporting my claim that these items are indeed inaccurate and should be removed from my credit report.

Despite my repeated attempts, the inaccurate items continue to be listed on my credit report, adversely affecting my creditworthiness. I have made several attempts and unsuccessful attempts to resolve this matter, and I believe that this situation is not only affecting my financial well-being but also causing me undue stress and frustration.

I request that you take immediate action to investigate these inaccurate items and remove them from my credit report. I have enclosed copies of the following documents to assist in your investigation : Any subsequent correspondence between myself and to Credit Bureaus.

I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of information in their credit report. I request that you fulfill this obligation promptly and fairly.

Please provide me with written confirmation of your investigation 's outcome and actions taken to remove the inaccurate items from my credit report within 30 days from the receipt of this letter. Additionally, I request a free copy of my credit report with the removed inaccurate items once the investigation is completed. Please help me removed these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$39000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to express my serious concerns regarding multiple unsuccessful attempts to remove inaccurate items from my credit report. I have attached relevant documentation, including previous dispute letters and supporting evidence, for your reference.

I first contacted Credit Bureaus to dispute the presence of inaccurate items on my credit report. These items includefraud items that are needs to be removed immediately. I provided evidence supporting my claim that these items are indeed inaccurate and should be removed from my credit report.

Despite my repeated attempts, the inaccurate items continue to be listed on my credit report, adversely affecting my creditworthiness. I have made several attempts and unsuccessful attempts to resolve this matter, and I believe that this situation is not only affecting my financial well-being but also causing me undue stress and frustration.

I request that you take immediate action to investigate these inaccurate items and remove them from my credit report. I have enclosed copies of the following documents to assist in your investigation : Any subsequent correspondence between myself and to Credit Bureaus.

I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of information in their credit report. I request that you fulfill this obligation promptly and fairly.

Please provide me with written confirmation of your investigation 's outcome and actions taken to remove the inaccurate items from my credit report within 30 days from the receipt of this letter. Additionally, I request a free copy of my credit report with the removed inaccurate items once the investigation is completed. Please help me removed these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$39000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/2019 XX/XX/2019 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Upon reviewing of my credit reports I have come across the account that you are negatively reporting on my credit report ( s ). Upon further investigation I have discovered that you are claiming to have charged-off this account. I am writing this correspondence to request my 1099-C that is associated with this charge off that is in their books. This has been owed to me because the debt that you charged off was more than {$600.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
fradulent acts were invloved using my credit, accounts were put into my name and later charged off for me to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: WA

Complaint narrative:
XXXX XXXX out of XXXX, Washington called me on XX/XX/XXXX at XXXX saying I owed XXXX. I told them it was not my debt, it was my ex. They called again on XX/XX/XXXX at XXXX XXXX and hung up. They also called today, XX/XX/XXXX at XXXX. I have not received a letter for the debt as of today. I informed them there was a fraud situation going on with the original creditor and I would not give them any other information. It was a simple as a XXXX search to find my address as I did it and it was the first item in the search.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) ( b ) ( c-2 ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

INCORRECT ACCOUNT INFORMATIONThe accounts below are reporting incorrectly please investigate these : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX { Reason for Dispute } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 2. { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { Reason for Dispute } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 3. { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { Reason for Dispute } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 4. { XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 5. { XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 6. { XXXX XXXX XXXX XXXX XXXX XXXX  } XXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 7. { CHILD SUPPORT ENFORCEMENT } { XXXX XXXX XXXX XXXX  { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 8. { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 9. { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i XXXX. { XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 11. { XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 12. { XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : 1. Incorrect Address 2. NAME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) ( b ) ( c-2 ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

INCORRECT ACCOUNT INFORMATIONThe accounts below are reporting incorrectly please investigate these : XXXX. XXXX XXXX XXXX { ac # } XXXX { Reason for Dispute } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 2. { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { Reason for Dispute } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 3. { XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX { Reason for Dispute } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 4. { XXXX XXXX XXXX XXXX XXXX XXXX  } XXXX. { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 5. { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 7. { CHILD SUPPORT ENFORCEMENT } XXXX XXXX XXXX } XXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 9. { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 10. { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 11. { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 12. { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : XXXX. Incorrect Address XXXX. NAME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following items from my file. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXX XXXXXXXX Balance Owed : {$9300.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed XXXX {$10000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 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: IN

Complaint narrative:
I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following items from my file. 

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 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 Balance Owed : {$290.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$710.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$9300.00} XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$10000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7400.00} 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: WA

Complaint narrative:
My first contact to Nelnet to request my full payment history was back around XX/XX/XXXX. 

They did send an encrypted message that did not even show the full payment history and i couldnt view the file. I called Nelnet customer service and requested that the history be mailed to my address. 

This has not been completed. I have since emailed the request for the payment history multiple times and each time I get the run around. This last time on XX/XX/XXXX has not even been responded to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Citizens One XXXX XXXX XXXX, RI XXXX RE : Adverse Action Dear Citizens, I, the consumer and natural person, was denied credit by XXXXXXXX XXXX XXXX when I applied for my car loan. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against due to the response I received. Citizens are in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Citizens If Citizens fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Citizens criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 

Thank you, XXXX : XXXX XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/2019 XX/XX/2019 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Upon reviewing of my credit reports I have come across the account that you are negatively reporting on my credit report ( XXXX ). Upon further investigation I have discovered that you are claiming to have charged-off this account. I am writing this correspondence to request my 1099-C that is associated with this charge off that is in their books. This has been owed to me because the debt that you charged off was more than {$600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/2019 XX/XX/2019 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Upon reviewing of my credit reports I have come across the account that you are negatively reporting on my credit report ( XXXX ). Upon further investigation I have discovered that you are claiming to have charged-off this account. I am writing this correspondence to request my 1099-C that is associated with this charge off that is in their books. This has been owed to me because the debt that you charged off was more than {$600.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation