Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: TN
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:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Codes 1681 and 1692. 

DP OF EDUC XXXX DP OF EDUC XXXX XXXX XXXX XXXX US DEPARTMENT OF EDUCATION XXXX US DEPARTMENT OF EDUCATION XXXX The U.S. DEPARTMENT OF EDUCATION and/or DP OF EDUC and/or XXXX XXXX are reporting false and inaccurate data on my credit report. I sent letters to the U.S. DEPARTMENT OF EDUCATION requesting verification of information. I didn't receive a response. Also, the U.S. Department of Education has failed to send me a copy of any assignments of the promissory notes for the related loans. When I did not receive any communication back, I called the U.S. DEPARRTMENT OF EDUCATION to see if I could get answers. The representative confirmed that I did not have any student loans in collections. He said to check with the servicer ( XXXX XXXX ), just to confirm. 

After speaking with a representative at XXXX XXXX ( who confirmed that I am in good standing, and have no collections ), they guided me to their website. I printed out ( multiple times over the past 3-4 months ) my student loan account status. NO COLLECTIONS. 

Furthermore, I circled back around to EQUIFAX, XXXX, and XXXX. I have spoken with multiple representatives over the past few months. Each one, unable to resolve this issue. They never responded to my request for verification, but keep reporting. I know for sure that the name DP OF EDUC. This means the U.S. DEPARTMENT OF EDUCATION is in violation of 15 U.S. Code 1692e. False or misleading representations by furnishing false information on my credit report. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 

Additionally, under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. 
The 15 U.S. Code 1681 sect 602 ( A ) I have a right to privacy. Section 604 ( A ) A consumer reporting agency can not furnish an account without my written instruction. 
Lastly, 15 U.S. Code 1681c ( a ) No consumer reporting agency may make any consumer report containing any of the following items of information : 5. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

Please cease and desist all credit reporting and collection activity. You are in clear violation of the FDCPA ; and have failed to address my specific requests. 
That is, I am requesting that you delete any and all reporting made to any consumer reporting agencies.

Company response to consumer: Closed with explanation