Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Demand for Full Discharge of Fraudulent XXXX XXXX  Debt and Removal from Credit Reports Due to FERPA Violation and Identity Theft To Whom It May Concern, I am formally requesting the immediate cancellation and discharge of my student loan debt in full due to both a violation of the Family Educational Rights and Privacy Act ( FERPA ) and the fraudulent use of my personal information. Additionally, I demand the immediate removal of all related accounts from my credit reports pursuant to 15 U.S. Code 1681c-2 ( 605B of the Fair Credit Reporting Act ).

Basis for Request : 1. FERPA Violation & Unauthorized Access to Student Records It has come to my attention that unauthorized parties, including XXXX XXXX and his XXXX team, have been accessing student records held by the U.S. Department of Education. This constitutes a severe violation of FERPA, which mandates the confidentiality of student records.

As a result, my personal and financial data has been compromised without my authorization, exposing me to identity theft and fraud.

2. Identity Theft & Fraudulent XXXX XXXX Accounts I am a documented victim of identity theft, as evidenced by the attached FTC Identity Theft Reports ( [ FTC Report Numbers : XXXX, XXXX, XXXX ] XXXX XXXX XXXX ). 
My information was likely compromised due to major data breaches, including the XXXX breach ( XXXX ), Equifax, XXXX, XXXX, and XXXX breaches. 
Fraudulent federal student loans were taken out in my name with Dept. of Education/XXXX on multiple occasions, including : Fraudulent Federal Student Loans : Servicer : DEPTED/XXXX | Fraud Start Date : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$2500.00} Servicer : DEPTED/XXXX  | Fraud Start Date : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$2600.00} Servicer : DEPTED/XXXX  | Fraud Start Date : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$2600.00} Servicer : DEPTED/XXXX | Fraud Start Date : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$2800.00} Servicer : DEPTED/XXXX | Fraud Start Date : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$4200.00} Servicer : DEPTED/XXXX | Fraud Start Date : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$5300.00} Servicer : DEPTED/XXXX  | Fraud Start Date : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$5500.00} Servicer : DEPTEDXXXX | Fraud Start Date : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$7200.00} Servicer : DEPTED/XXXX  | Fraud Start Date : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$9100.00} Servicer : DEPTED/XXXX  | Fraud Start Date : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$9800.00} Servicer : DEPTEDXXXX XXXX Fraud Start Date : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$160.00} Servicer : DEPTED/XXXX | Fraud Start Date : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$850.00} Requested Actions : 1. Immediate discharge and cancellation of all fraudulent student loan accounts. 
2. Removal of all fraudulent XXXX XXXXs from my credit reports with XXXX, Equifax, and XXXX under 15 U.S.C. 1681c-2 ( 605B FCRA ), which mandates the blocking of fraudulent information.

3. Written confirmation within [ reasonable timeframe, e.g., 30 days ] that my loans have been discharged and deleted from my credit profile. 

Failure to comply with this request will leave me no choice but to escalate this matter by filing complaints with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), XXXX Department of Education Inspector General, and other regulatory bodies. 

I expect a timely response confirming compliance with my request.

Company response to consumer: Closed with explanation