Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute Fraudulent Student Loan Accounts Reporting Without Authorization To Whom It May Concern, I am writing to formally dispute and demand the permanent deletion of the following fraudulent student loan accounts currently reporting on my credit reports. I have never applied for, authorized, nor given written or verbal consent for these accounts to be reported under my name. 
Accounts in Dispute : Dept of Ed/XXXX  Balance : {$2000.00} Dept of Ed/XXXX  Balance : {$3100.00} These accounts are not mine, and I have no contractual or legal relationship with Dept of Ed/XXXX. Reporting these loans as mine constitutes a serious violation of my consumer rights under multiple federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and certain provisions of the Fair Debt Collection Practices Act ( FDCPA ) where applicable. 
My personal information has been compromised in multiple national data breaches, including the XXXX XXXX XXXX XXXX, the Equifax Data Breach, and the TransUnion Data Breach. These

breaches have exposed my identity to unauthorized use, and it is evident that these student loans are fraudulent in nature.

Under federal law, you are required to take the following actions immediately : FCRA 1681i ( a ) : You must conduct a reasonable reinvestigation of this disputed information and delete any unverifiable or inaccurate data.

FCRA 1681e ( b ) : You are legally obligated to maintain maximum possible accuracy of the information you report. These accounts do not meet that standard.

FACTA 605B ( 15 U.S.C. 1681c-2 ) : You must block and permanently delete any account or information resulting from identity theft once a proper identity theft report ( such as an FTC affidavit or police report ) is provided.

FCRA 1681i ( a ) ( 5 ) ( B ) : Once deleted, no such information may be reinserted unless it is fully verified and the consumer is given written notice within five business days.

FDCPA 807 ( 8 ) : It is a deceptive practice to communicate or threaten to communicate false credit information, including the reporting of accounts not owed. 
Therefore, I am demanding the immediate and permanent deletion of both Dept of Ed/XXXX accounts from my Experian, Equifax, and TransUnion credit reports. These accounts must also be blocked from any future reinsertion under FCRA 611 and FACTA 605B. 
Please confirm in writing that these accounts have been permanently deleted. Should you fail to comply within the required 30-day reinvestigation window, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the U.S. Department of Educations Office of Inspector General, citing willful and negligent noncompliance under FCRA XXXX XXXX 
Thank you for your immediate attention. I expect this matter to be resolved expeditiously, as required by federal law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation