Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

Re : CFPB Dispute Under 20 U.S. Code 1232g ( FERPA ) - Removal of Accounts from Consumer Report Dear CFPB Consumer Response, I am writing to file a dispute under the Consumer Financial Protection Bureau ( CFPB ) against [ Credit Bureau Name - XXXX/Equifax/XXXXn ] in accordance with 20 U.S. Code 1232g ( FERPA ). This provision protects the release of personally identifiable information from education records without the written consent of the parent or eligible student, with limited exceptions.

Under 20 U.S. Code 1232g ( b ) ( 3 ) ( B ), I request the removal of all accounts from my consumer report that pertain to education records and are subject to the protections outlined in FERPA. As per the law, personal information should only be transferred to a third party on the condition that such a party will not permit any other party to have access to such information without the written consent of the parents of the student.

REQUESTED REMEDY I assert my rights under FERPA to ensure that personal information related to education records is handled in compliance with federal law. Pursuant to 20 U.S. Code 1232g ( b ) ( 3 ) ( B ), any data collected or transferred must be protected in a manner that prevents personal identification by other than authorized officials. Moreover, if a third party violates the conditions specified in this subsection, the educational agency or institution is prohibited from permitting access to information from education records to that third party for a period of not less than XXXX years. 

I request that all accounts related to education records be identified through the investigation process, and I hereby dispute their presence on my consumer report. I kindly request the immediate removal of all such accounts, and any necessary action to ensure compliance with federal law. 

DEPTEDXXXX EQUIFAX Account # : XXXX Account Type : Installment Account Type - Detail : Educational Bureau Code : Individual Account Status : Open Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$7000.00} No. of Months ( terms ) : 0 High Credit : {$7000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX3 DEPT OF EDUCATION/XXXX Equifax Account XXXX : XXXX Account Type : Installment Account Type - Detail : Educational Bureau Code : Individual Account Status : Open Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$5500.00} No. of Months ( terms ) : XXXX High Credit : {$5500.00} XXXX EQUIFAX Account # : XXXX Account Type : Installment Account Type - Detail : XXXX XXXX Code : Individual Account Status : Open Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$2200.00} No. of Months ( terms ) : XXXX High Credit : {$2200.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX XXXX Equifax Account # : XXXX Account Type : Installment Account Type - Detail : Educational Bureau Code : Individual Account Status : Open Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$2200.00} No. of Months ( terms ) : XXXX High Credit : {$2200.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXXXXXX DEPT OF EDUCATIONXXXXXXXX Equifax Account XXXX : XXXX Account Type : Installment Account Type - Detail : XXXX XXXX Code : Individual Account Status : Open Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$6600.00} No. of Months ( terms ) : XXXX High Credit : {$5500.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXXXXXX DEPT OF EDUCATIONXXXX Equifax Account XXXX : XXXX Account Type : Installment Account Type - Detail : XXXX XXXX Code : Individual Account Status : Open Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$7000.00} No. of Months ( terms ) : XXXX High Credit : {$5500.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX