Consumer complaint received 2020-05-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Old erroneous data in my credit profile is damaging my credit rating. XXXX, XXXX, XXXX, and Equifax have failed to rectify the issue after I have reached out to them. I am requested inaccurate information in my file deleted in accordance with the Fair Credit Reporting Act. The same loans are being reported twice by XXXX in my credit report. The following items, [ ACCOUNT NUMBERS ATTACHED ] are ALL accounts that were transferred, sold, and closed due to consolidating between XXXX. [ CREDIT REPORT ATTACHED ]. These accounts were refinanced, and the refinanced accounts are also being reported as open accounts on my credit report, [ ACCOUNT NUMBERS ATTACHED [ CREDIT REPORT ATTACHED ]. Essentially the same loans and are being reported twice by XXXX and is showing a past due for the closed accounts which is an error. I am not past due on closed accounts. E.g. XXXX is also erroneously reporting that I was last past due on XXXX/Dept of Ed Account # : [ ACCOUNT NUMBERS AVAILABLE UPON REQUEST ] [ CREDIT REPORT AVAILABLE UPON REQUEST ]. This account was sold between XXXX! How can this account have a last past due in XXXX? This is wrong and inaccurate! 

Also, the above closed accounts were involved in a fraudulent student loan debt relief operation by a company named XXXX XXXX XXXX XXXX XXXX. I was a victim in this fraudulent student loan debt relief scheme ( see attached Federal Trade Commission Email and United States Department of Justice Articles ). In the court case United States v. Brandon Demond Fere, The United States Department of Justice found XXXX XXXX, XXXX XXXX, guilty of fraud charges following a 10-month criminal investigation of XXXX XXXX XXXX by the Federal Trade Commission. The prosecution is the result of an investigation by the Federal Trade Commission, Federal Bureau of Investigation, and Internal Revenue Service Criminal Investigation, with assistance from the U.S. Department of Education Office of Inspector General. Between XXXX and XXXX, XXXX collected advance fees from me to phonily prepare and submit documents to supposedly enroll me in U.S. Department of Education programs and promised to lower my student loan payments and eventually have my debts forgiven, a promise that XXXX could not deliver on. Instead, I found my loans in a worse situation after signing up with XXXX. I was misled about where my enrollment fees were going. I was led to believe the fees were being applied to my student loan repayment, when in fact they were for a membership in the financial education program. The Federal Trade Commission investigation also found that XXXX would actively interfere with some customers ability to repay their loans. XXXX would require customers to hand over sensitive information, including their Social Security numbers and login information for their Federal Student Aid accounts. This happened to me ( see attached XXXX email correspondence )! 

I am requesting that the closed XXXX items be deleted on the grounds of 1 ) inaccuracy and 2 ) Fraud involvement. The state of these accounts is a result of me being a victim to fraud! Delete the items at once.

Company response to consumer: Closed with explanation