Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX I have disputed this account already it has been more than 90 days I have made an identity theft claim. Due to this fact that this account is fraudulent I ask under the law to remove this fraudulent account. All companies involved are now in violation of the law 20 U.S. Code 1087dd - Terms of loans U.S. Code Notes prev | next ( a ) Terms and conditions ( 1 ) Loans from any student loan fund established pursuant to an agreement under section 1087cc of this title to any student by any institution shall, subject to such conditions, limitations, and requirements as the Secretary shall prescribe by regulation, be made on such terms and conditions as the institution may determine. 
( 2 ) ( A ) Except as provided in paragraph ( 4 ), the total of loans made to a student in any academic year or its equivalent by an institution of higher education from a loan fund established pursuant to an agreement under this part shall not exceed ( i ) {$5500.00}, in the case of a student who has not successfully completed a program of undergraduate education; or ( ii ) {$8000.00}, in the case of a graduate or professional student ( as defined in regulations issued by the Secretary ).

( B ) Except as provided in paragraph ( 4 ), the aggregate unpaid principal amount for all loans made to a student by institutions of higher education from loan funds established pursuant to agreements under this part may not exceed ( i ) {$60000.00}, in the case of any graduate or professional student ( as defined by regulations issued by the Secretary, and including any loans from such funds made to such person before such person became a graduate or professional student ) ; ( ii ) {$27000.00}, in the case of a student who has successfully completed 2 years of a program of education leading to a bachelors degree but who has not completed the work necessary for such a degree ( determined under regulations issued by the Secretary ), and including any loans from such funds made to such person before such person became such a student; and ( iii ) {$11000.00}, in the case of any other student.

( 3 ) Regulations of the Secretary under paragraph ( 1 ) shall be designed to prevent the impairment of the capital student loan funds to the maximum extent practicable and with a view toward the objective of enabling the student to complete his course of study.

( 4 ) In the case of a program of study abroad that is approved for credit by the home institution at which a student is enrolled and that has reasonable costs in excess of the home institutions budget, the annual and aggregate loan limits for the student may exceed the amounts described in paragraphs ( 2 ) ( A ) and ( 2 ) ( B ) by 20 percent.

( b ) Demonstration of need and eligibility required ( 1 ) A loan from a student loan fund assisted under this part may be made only to a student who demonstrates financial need in accordance with part F of this subchapter, who meets the requirements of section 1091 of this title, and who provides the institution with the students drivers license number, if any, at the time of application for the loan. A student who is in default on a loan under this part shall not be eligible for an additional loan under this part unless such loan meets one of the conditions for exclusion under section 1087bb ( g ) ( 1 ) ( E ) of this title. 


Account name : XXXX XXXX LATE PAYMENTS Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$1700.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Installment account Payment summary XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX120 - - - XX/XX/XXXX120 - - - XXXX - - XXXX - - XXXX - - XXXX - 90 - XXXX - 120 - XXXX - 120 - XXXX - 120 - - XXXX - 120 - - XXXX - 120 - - XXXX - 120 - - PAYMENT HISTORY LEGEND Status 120 days past due Status updated XX/XX/XXXX Past due amount {$0.00} Original balance {$1700.00} Monthly payment - Additional info Responsibility Individual account Terms 120 Months Company sold - Original creditor - Comments Account closed due to transfer Your statement - Contact info Address XXXX  XXXX XXXX PA XXXX Phone number ( XXXX ) XXXX # 2 - 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION IF YOU USE THE FIRST TWO LAWS AND YOUR DISPUTES COME BACK AS ACCURATE, YOU CAN USE THIS LAW TO DEMAND PROOF OF THE INVESTIGATION THAT TOOK PLACE TO VERIFY THE ITEMS IF THEY CREDIT REPORTING AGENCIES CAN NOT PROVIDE IT, THEY MUST DELETE THE ITEMS FROM YOUR REPORT # 3 - 15 USC 1681B - PERMISSIBLE PURPOSE YOU CAN USE THIS LAW TO CHALLENGE CREDIT REPORTING AGENCIES TO SHOW WHERE YOU PROVIDED WRITTEN PERMISSION FOR A NEGATIVE ITEM TO BE ON YOUR CREDIT REPORT. IF THEY CAN'T PROVIDE IT, YOU CAN LEVERAGE THIS LAW TO HAVE IT DELETED Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.