Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12400069
Complaint Overview
Complaint ID: 12400069
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Illinois
ZIP Code: 60628
Date Received: 2025-03-09T12:00:00-05:00
Date Sent to Company: 2025-03-09T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dispute of Charge-Off Account Due to Lack of 1099-C Form To Whom It May Concern, I am writing to formally dispute the charge-off accounts [ XXXX XXXX XXXX XXXX ] that appears on my credit report. According to the Fair Credit Reporting Act ( FCRA ) and the Internal Revenue Code ( IRC ) 6050P, a creditor is required to issue a Form 1099-C for canceled or forgiven debts exceeding {$600.00}. However, I have never received a 1099-C for this account, which calls into question the accuracy and legitimacy of this charge-off reporting. Under the FCRA, credit bureaus are responsible for ensuring the information they report is accurate, complete, and verifiable. Because I have not received a 1099-C from the original creditor, I request that this account be investigated, verified, or removed from my credit file. Please provide documentation proving the validity of this debt and its charge-off status, including evidence of a properly issued 1099-C, or delete the account from my report in compliance with federal law. I request a response within 30 days of receipt of this letter, as required by the FCRA. Please send all correspondence regarding this matter to the address listed above. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12400069 about?
Complaint #12400069 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-03-09T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.