Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

To : U S Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Failure to Comply with 15 U S Code Section 1631 Disclosure Requirements To Whom It May Concern I am writing to formally dispute the inaccurate and misleading reporting of my U S Department of Education accounts, as reflected on my credit reports from XXXX, XXXX, and Equifax. I have previously contacted your institution and the credit bureaus multiple times over the past year, yet I have received no satisfactory response or resolution. This ongoing failure to properly investigate and correct these inaccuracies constitutes a clear violation of both federal law and your fiduciary responsibilities. 

The accounts in question are as follows : XXXX U S DEPT OF ED XXXX XXXX Account Number XXXX reported twice XXXX US DEPT OF EDUCATION Account Number XXXX US DEPT OF EDUCATION Account Number XXXX US DEPT OF EDUCATION XXXX Account Number XXXX Equifax Us dept of education Balance XXXX It is my understanding that under 15 U S Code Section 1631 you are required to provide full disclosure of my credit obligations. I have repeatedly requested this documentation and full disclosure of the terms of my alleged debt, yet U S Department of Education has failed to provide the required information within a reasonable time frame. This lack of transparency not only violates the law but also reflects a blatant disregard for consumer rights and legal obligations.

Immediate Action Required 1 Provide Full Disclosure I demand that U S Department of Education immediately provide full and accurate disclosure of all credit obligations associated with these accounts, including but not limited to original account agreements, payment histories, and any other documentation necessary to validate the debt in accordance with 15 U S Code Section 1631. 

XXXX Correct Credit Reporting Errors These accounts must be corrected and updated accurately across all major credit reporting agencies XXXX, XXXX, and Equifax. Continued misreporting coupled with your failure to provide adequate investigation will leave me no choice but to pursue legal action. 

XXXX Cease and Desist Unauthorized Reporting If the debt can not be substantiated, U S Department of Education must cease reporting these accounts to credit bureaus immediately. Continued reporting of unverified or inaccurate information is a violation of the Fair Credit Reporting Act FCRA, for which I reserve the right to seek further legal remedy.

Failure to respond to this letter within 30 days with full disclosure and rectification of these errors will result in further escalation, including filing complaints with the Consumer Financial Protection Bureau CFPB, the Federal Trade Commission FTC, and considering legal action for damages caused by your failure to comply with both the Truth in Lending Act 15 U S Code Section 1631 and the Fair Credit Reporting Act. 

This letter serves as your final opportunity to address and rectify these violations before I pursue further legal remedies. 

I expect a timely and comprehensive response. 

Sincerely XXXX XXXX