Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have not provided any written instructions to allow any Consumer Reporting Agency ; XXXX, Equifax, or XXXX, to release my consumer report and according to 15 U.S. Code 1681b this is a direct violation of the law and falls under the category of 15 U.S. Code 1681c1.

I request that the information be removed from my credit report for the following accounts and amounts listed below based on the Codes afore mentioned.

I continue to notice accounts being reported on my Credit Report that I never gave written permission for. I also asked that my information be frozen to anyone so that my information would not be exposed to anyone that I have not given permission to view. I put fraud alert on my account years ago due to my information being leaked by Equifax breach. XXXX, Equifax, XXXX all were notified several times via written disputes, phone calls, and suppressing my information from other reporting companies such as XXXX, XXXX, and XXXX. To no avail I still continue to see things reported on my reports. 

XXXX : US Department of Education student loans were forgiven and they continue to report as outstanding from one entity to the next for multiple loans totaling {$48000.00}. 
Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased by {$10000.00} from {$3600.00} to {$13000.00}. 

Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$16000.00} to {$18000.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$1700.00} to {$1800.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$5200.00} to {$5900.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$2300.00} to {$2400.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$1100.00} to {$1200.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$1100.00} to {$1200.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$3400.00} to {$3600.00} *** These Student loans were from XXXX - XXXX over 32 years ago and the loans were bought and sold so many times and when the loan was forgiven US Dept of Education picked it up now attempting to make my life hard by damaging reports on my credit. 

XXXX XXXX XXXX XXXX continues to report closed account from XXXX as open every month on all XXXX CRA 's account was closed and charged off XX/XX/XXXX amount {$5100.00} XXXX XXXX  Reporting {$15000.00} on a closed account XXXX  XXXX reporting ( XXXX ) accounts XXXX {$2700.00} and XXXX {$450.00} closed XXXX XXXX, XXXX XXXX : US Department of Education student loans were forgiven and they continue to report as outstanding from XXXX entity to the next for multiple loans totaling {$48000.00}. 
Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased by {$10000.00} from {$3600.00} to {$13000.00}. 

Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$16000.00} to {$18000.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$1700.00} to {$1800.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$5200.00} to {$5900.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$2300.00} to {$2400.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$1100.00} to {$1200.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$1100.00} to {$1200.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$3400.00} to {$3600.00} *** These Student loans were from XXXX - XXXX over 32 years ago and the loans were bought and sold so many times and when the loan was forgiven US Dept of Education picked it up now attempting to make my life hard by damaging reports on my credit. 

XXXX XXXX XXXX XXXX continues to report closed account from XXXX as open every month on all XXXX CRA 's account was closed and charged off XX/XX/XXXX amount {$5100.00} XXXX XXXX  Reporting {$15000.00} on a closed account XXXX  XXXX reporting ( XXXX ) accounts XXXX {$2700.00} and XXXX {$450.00} closed XXXX XXXX, XXXX Equifax : US Department of Education student loans were forgiven and they continue to report as outstanding from XXXX entity to the next for multiple loans totaling {$48000.00}. 
Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased by {$10000.00} from {$3600.00} to {$13000.00}. 

Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$16000.00} to {$18000.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$1700.00} to {$1800.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$5200.00} to {$5900.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$2300.00} to {$2400.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$1100.00} to {$1200.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$1100.00} to {$1200.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$3400.00} to {$3600.00} *** These Student loans were from XXXX - XXXX over 32 years ago and the loans were bought and sold so many times and when the loan was forgiven US Dept of Education picked it up now attempting to make my life hard by damaging reports on my credit. 


XXXX XXXX XXXX XXXX continues to report closed account from XXXX as open every month on all XXXX CRA 's account was closed and charged off XX/XX/XXXX amount {$5100.00} XXXX XXXX  Reporting {$15000.00} on a closed account XXXX  XXXX reporting ( XXXX ) accounts XXXX {$2700.00} and XXXX {$450.00} closed XXXX XXXX, XXXX

Company response to consumer: Closed with explanation