Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Complaint Division 1700 G Street NW XXXX XXXX XXXX Subject : Formal Complaint Against Equifax, XXXX XXXX XXXX XXXX  for Violations of XXXX U.S.C. XXXX ( b ), XXXX U.S.C. XXXX, XXXX XXXX  XXXX, and Other Applicable Laws Dear CFPB, I am writing to file a formal complaint against Equifax, XXXX XXXX XXXX XXXX for multiple violations of federal law, including the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ), and the Consumer Financial Protection Bureaus ( CFPB ) Regulation V ( XXXX XXXX XXXX  ). These entities have unlawfully disclosed, sold, and reported my personal and financial information without my consent, causing significant harm to my credit and financial well-being.

Violations of XXXX U.S.C. XXXX ( b ) ( FERPA ) Under FERPA, my educational records and personally identifiable information can not be disclosed to third parties without my written consent. However, XXXX XXXX XXXX XXXX have repeatedly accessed, shared, and reported my XXXX  loan information to credit bureaus without my authorization. I have sent cease-and-desist letters to these entities, revoking any power of attorney or consent previously granted, yet they continue to report inaccurate and unauthorized information to Equifax. This is a clear violation of FERPA.

Violations of XXXX  U.S.C. XXXX ( FCRA ) The FCRA prohibits the reporting of outdated or inaccurate information on credit reports. Despite my disputes and requests for correction, Equifax continues to report information related to my XXXX loans that is inaccurate and unauthorized. Furthermore, the sale of my information to XXXX without my consent is a violation of my rights under the FCRA.

Violations of XXXX XXXX XXXX ( CFPB Regulation V ) Under XXXX XXXX XXXX, the addition of information to my credit report without my written consent constitutes identity theft. XXXX XXXX XXXX XXXX have repeatedly added and reported information to my credit file without my permission, which is a criminal offense under this regulation.

Additional Violations and Fraudulent Activity Failure to Provide Tax Forms : Despite repeated requests, these entities have failed to provide me with the required 1099-A, 1099-B, or 1099-C forms, which are necessary for me to address the tax implications of any alleged debt discharge or settlement. This lack of transparency is fraudulent and unacceptable.

Unauthorized Sale of Information : After being informed of the violations, these companies continued to sell my information to XXXX, further compounding the harm caused by their unlawful actions.

Requested Resolution I demand the following actions be taken immediately : Removal of All Accounts : All accounts related to XXXX XXXX XXXX XXXX must be removed from my credit report with Equifax and all other credit bureaus.

Return of Securities : Any securities or financial benefits acquired through the unlawful reporting and sale of my information must be returned to me.

Compliance with Tax Laws : I must be provided with the required 1099-A, 1099-B, or 1099-C forms immediately.

Investigation and Penalties : I request that the CFPB investigate these entities for their violations of federal law and impose appropriate penalties, including fines and corrective actions.

If this matter is not resolved promptly, I will have no choice but to escalate this issue to the Attorney General and pursue further legal action.

Please contact me at XXXX or XXXX to acknowledge receipt of this complaint and to provide updates on the investigation. I have attached copies of my cease-and-desist letters, credit reports, and other relevant documentation for your review.

Thank you for your attention to this matter.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX