Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Dear XXXX XXXX Department, I am writing to formally dispute the accuracy and validity of student loan information that you have reported on my credit report. Upon reviewing my credit file, I noticed entries associated with XXXX that are inaccurate and should be removed immediately. These entries are negatively impacting my credit score and are not being reported in compliance with federal law. 



XXXX. 
Lack of Verification FCRA Violation Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), I have the right to dispute inaccurate or incomplete information. Upon receipt of this dispute, you are required to conduct a reasonable investigation and verify the accuracy of the information. If you can not verify the accuracy within 30 days, the information must be deleted.

If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate If XXXX is unable to provide proper documentation showing that the student loans are valid, enforceable, and lawfully assigned, you must delete these accounts from all credit reporting agencies. 



XXXX. 
No Original Promissory Note Invalidation of Debt In accordance with 15 U.S.C. 1692g, under the Fair Debt Collection Practices Act ( FDCPA ), I request validation of the debt. You are required to provide a copy of the original signed promissory note and a full accounting of the alleged debt. If such documentation can not be produced, this loan may not legally be reported as delinquent or valid.

3. 

XXXX XXXX XXXX XXXX XXXX Code XXXX The Higher Education Act ( HEA ) also mandates that credit reporting on federal student loans must be accurate. If this loan has been XXXX, forgiven, or otherwise resolved through an income-based repayment plan, Public Service Loan Forgiveness ( PSLF ), disability discharge, or closed school discharge, it must be reported accordingly or removed.

Per 20 U.S.C. 1080a, federal student loan data must be furnished in a manner that is fair and accurate. 

Rectangle XXXX, Shape Request for Action Therefore, I formally request : An investigation into the accuracy of the XXXX loan ( XXXX ) reported on my credit file ; Removal of any unverifiable, outdated, inaccurate, or incomplete information ; Copies of all documentation used to verify the accuracy of these accounts, including the signed Master Promissory Note ; An updated copy of my credit report once this matter is resolved. 
Please treat this as a formal dispute under 15 U.S.C. 1681i and respond within 30 days as required by law.

If you fail to remove the inaccurate items or do not provide verification, I will be forced to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief