I have an HSBC Taxpayer Financial charge-off on my credit report. I have tried contacting them because it was a tax loan that was paid with my tax refund. This has been going on for many years. I tried writing them last year and sent the letter return receipt. It came back address unknown. I called Equifax and the information they gave me was the same. No other address or phone number. They still won't remove from my report. How can I get this removed?