Consumer complaint received 2015-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

As per the correspondence, I received from : The University XXXX XXXX - Dated : XXXX XXXX, 2015 : Executive Relations Department - XXXX XXXX - Campus Complaint OfficerThis is to inform you that I 've recently pulled my credit report and noticed that there 's a collection listing from The University XXXX XXXX on my credit report. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and XXXX ability to collect this money from me. 

Under the FDCPA, I have the right to request a validation of this debt. I request that The University of XXXX verify to me and prove that I am indeed the party who is contractually obligated to pay off this assumed fraudulent debt. Upon your review of my University XXXX XXXX XXXX Financial Aide Records, your re-investigation will determine, there were no account balances. ( See attached e-mailed documents ). Enclosed with this email. 

The University XXXX XXXX should be made aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 
Under the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the XXXX period, the collector has the legal right to assume that you agree the debt is valid. 

Please Note : Re : False Certification of Student Eligibility or Unauthorized Payment Discharge is unacceptable. 
Please be advised, I XXXX may be eligible for a discharge of my Direct Loan or FFEL Program loan under these circumstances : According to this correspondence received : XXXX - / or an unauthorized agent at XXXX XXXX XXXX evidently school signed my name on the application or promissory note without XXXX XXXX XXXX authorization or the school endorsed XXXX XXXX XXXX loan check or signed XXXX XXXX XXXX authorization for electronic funds transfer without XXXX XXXX XXXX knowledge, unless the proceeds of the loan were delivered to the wrong address or applied to charges owed by MS XXXX XXXX the school. - As reported, I XXXX XXXX XXXX XXXX never received any disbursements ' from the XXXX See Invoice Statement. Generated, by attached emails from My University XXXX XXXX Payment History Financial Aide Account. - I did not receive these funds. Neither were they deposited into my checking account. 
Unpaid Refund DischargeSubsequently, Please advise me, since this unauthorized discharge occurred, am I XXXX XXXX XXXX am eligible for a discharge of my Direct Loan or FFEL Program loan since, I XXXX XXXX as stated in her correspondence, withdrew from XXXX, but the school did n't pay a refund that it owed to the U.S. Department of Education or to the lender, as appropriate. Check with the school to see how refund policies apply to federal aid at the school. - As per Letter received by XXXX XXXX, explained money was returned : Therefore, this would have made a change in Promissory Note for XXXX XXXX XXXX, Please investigate this issue.