Consumer complaint received 2019-09-26
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
During XXXX of XXXX, I received multiple pages of statements from XXXX regarding varying loans ( approximately 8, in varying codes, amounts, interest rates, etc. ) that I never signed for nor authorized in any way. In fact, when receiving a vague summary of my alleged financial aid package, which included mostly scholarships of which I did not have to pay back, the small amount left was made clear to be a federal student loan. When I asked the school financial aid personnel to explain the name of the company, interest rates, literally anything, as this was not made clear nor was ever listed on my student account through the school, I was told repeatedly, and with varying size fonts and colors to check my student account again. This information was unavailable, and eventually, I was deferred through the administration of XXXX College of XXXX, and was scheduled to meet with the President of the school. When I met with him, he plainly just stated, " Oh, well, we have no idea how any of that stuff works. '' I would have lost my scholarships ( which covered, what I had in writing at the time, the majority of my tuition ), and so I decided after working for years to go back to school, that it may not be different than when I had gone to this school in XXXX, and that a single loan would be taken out for the amount, if anything doubling my payment amount later. 

This XX/XX/XXXX, I received those several pages explaining no details of these loans other than the XXXX 's each I apparently owed as of 3 months prior. This was my first notice, and after having been denied a personal loan, that would cover my expenses to travel back to XXXX to continue my study, and work with XXXX and the sister school there, the XXXX College of XXXX XXXX XXXX, I was denied only due to the amount of open accounts in my name. With these letters, I now had the high number of loans taken out in my name, without my knowledge, authorization, signature, any information on, two years after I had graduated. 

I contacted the creditor, XXXX, to ask for an explanation and what I could do to file a claim against all of this that same day, and after 3 hours, I was deferred to the government, FAFSA website, to submit a claim of fraud against the school/companies involved, whoever was responsible. 

As of today, I have my approval from the government of XXXX to return for an unprecedented trip for a westerner to be the first welcomed and assisted into a 2 year program, in which I will continue my studies of XXXX language and arts, and be able to aid in the creation of an extended study abroad program for future students, both from XXXX College of XXXX and the XXXX College of XXXX and design ( sister schools ) for longer than the established single month trip which I did just after graduating in XXXX. I made the right impression, and helped with XXXX and fellow US peers, and was given this opportunity to return, due to my demeanor and work ethic, and general enthusiasm for XXXX language, culture, art, etc. I received my entry permit, COE ( certificate of eligibility ), and even a partial scholarship to begin this endeavor, and I can't get a personal loan to fund my travel and living expenses for it due to the 8 loans taken out in my name that are absolutely not authorized by me, nor ever were. 

Today, I contacted XXXX again, to verify the status of my claim, after seeing no changes to these loans on my account other than ( after submitting the application on the FAFSA website regarding fraud ) they had gone into " admin deferment '' until XXXX. I was told that they don't deal with that directly, that the department of educaiton does. When I called the department of education, they said they don't either, that I would have to file the form with the provider ( XXXX ). So I  called back and asked about the false certification discharge form, to which they said nothing further could be done about, and it is simply " In cue '' for review. 

This is destroying all of my hard work, essentially on my own, figuring out how to learn XXXX with my own funds, sacrificing a year to get needed XXXX, continuing efforts even in physical therapy, and completing form after form with my point of contact ( the only official help I've received, whom only understands so much English, mind you ) to be stopped now by something I never did, to be continuously told false information and deferred to other phone numbers/companies that have nothing to do with my issue/call, to be told by my own bank that I have good credit, and am obviously responsible, but because of the amount of student loans I have ( which more than doubled in number because of this fraud, misinformation and extortion on the school and 'federal ' level, somehow, as no one can plainly explain anything to me no matter what efforts I exhaust ), I can not get the several thousand I need to cover my trip, which would make history for the schools, and countries in general, no less. 

I was told by XXXX I just have to wait. But I will miss my deadlines and have to wait until the following semester, in which case, I have to provide all new copies of forms, documents, etc. and wait for their new copies in return. It has already taken me over 2 years to get to this point. And no one is doing anything as my life and dream and potential are decimated. 

Please expedite the complete erasure of these loans from XXXX in my name, from my credit report, the crimes both the government and the school has committed against me, before it is too late. After all I have gone through, to have such a crime committed against me by my own government and school that lead me ( ironically ) to this path to XXXX and what I can accomplish with my colleagues and friends there, it makes me sick. Is there not a single person who can make this right?

Company response to consumer: Closed with explanation