Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  / Equifax XXXX XXXX XXXX  RE : FORMAL DISPUTE OF INACCURATE CREDIT REPORTING Dept of Education / XXXX  Account Account Number Beginning XXXX To Whom It May Concern, This letter constitutes a formal dispute of inaccurate and incomplete information currently being reported on my consumer credit file by your agency regarding the Department of Education XXXX XXXX account beginning with XXXX. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), you are legally obligated to ensure that all information you report is accurate, complete, and verifiable. The reporting of this account fails to meet those requirements and is therefore unlawful. 
________________________________________ LEGAL BASIS FOR THIS DISPUTE 1. 15 U.S.C. 1681i ( a ) ( 1 ) You are required to conduct a reasonable reinvestigation of any disputed information within 30 days of receipt of this notice. A superficial or automated verification is not compliant with the statute.

2. 15 U.S.C. 1681a ( 6 ) ( B ) ( iii ) Information that can not be verified or is incomplete or inaccurate does not qualify as a consumer reportable item and must not remain on my file.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) If this account is deleted, modified, or reinserted, you are required to provide written notice and certify that the furnisher has verified the accuracy and completeness of the information prior to any reinsertion. 
________________________________________ SPECIFIC DISPUTE The Dept of Ed / XXXX  account beginning with XXXX is being reported with incorrect and/or unverified information, including but not limited to : Accuracy of the account status Accuracy of payment history Accuracy of balance and reporting dates Failure to properly reflect lawful status, deferment, discharge, or servicing history Unless you can provide competent, documentary evidence that this information is 100 % accurate and fully verifiable, it must be deleted immediately from my credit file. 
A mere confirmation from the data furnisher or an automated e-OSCAR response does not constitute a reasonable investigation under federal law. 
________________________________________ FORMAL DEMAND Accordingly, I demand that you : 1. Conduct a lawful and reasonable reinvestigation 2. Delete the disputed account if it can not be fully verified 3. Provide me with written confirmation of the results of your investigation 4. Send me an updated copy of my credit report reflecting the correction or deletion Failure to comply will constitute willful non-compliance with the FCRA and may expose your agency to liability under 15 U.S.C. 1681n and 1681o, including statutory and actual damages.

This letter is not a request it is a formal legal notice. 
I expect your written response within the timeframe mandated by federal law. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief