Consumer complaint received 2025-08-01 00:00:00
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.
State: CT

Complaint narrative:
To Whom It May Concern, Subject : Formal Demand for Deletion of Student Loan Records Due to FERPA Violation, Data Breach, and Inaccurate Reporting I am formally demanding the immediate and permanent deletion of all student loan accounts and related data associated with my name and Social Security number from your records and any credit reporting databases to which you report.

FERPA Violation & Data Breach Under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S. Code 1232g, my educational records including student loan information and personally identifiable information ( PII ) are protected from unauthorized disclosure or access. It has come to my attention that my data may have been improperly handled, accessed, or compromised in a data breach involving your systems or third-party servicers, constituting a clear violation of FERPA.

My personal and financial security has been jeopardized, and my student loan information is now subject to potential misuse, identity theft, and unauthorized reporting all without my informed consent or adequate protection as required under federal law.

Violations of the Fair Credit Reporting Act In addition, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e ( b ) requires that consumer reporting agencies and furnishers of information maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. Given that my data has been compromised, any continued reporting of this loan is inherently unreliable and fails to meet this legal standard.

15 U.S. Code 1681i gives me the right to dispute any information in my file that I believe is inaccurate, incomplete, or unverifiable. I am now exercising that right by disputing the entirety of the student loan records associated with my identity and demanding deletion on the basis that they are no longer verifiable or accurate due to the breach and mishandling of my educational data.

My Demand Therefore, I demand the following actions be taken within 15 calendar days : 1. Immediate deletion of all student loan records associated with my name and Social Security number from your internal systems and any external consumer reporting agencies.

2. Written confirmation that all loan data has been permanently removed and will not be transferred, sold, or re-reported in any form.

3. Documentation regarding the nature of the breach, including when it occurred, what data was exposed, and how it was mitigated.

4. An updated copy of my consumer file ( if applicable ), reflecting the deletion.

Failure to comply with this request will result in complaints being filed with the following authorities and legal counsel being consulted for potential action : U.S. Department of Education ( ED ) Family Policy Compliance Office ( FPCO ) Federal Trade Commission ( FTC ) Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals Office I take this matter seriously and expect immediate corrective action. Please consider this a good-faith attempt to resolve this matter without escalation.

Company response to consumer: Closed with explanation