Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Continued Reporting of Inaccurate Student Loan Accounts Dept. of Ed/XXXX  Dear Equifax Dispute Department , I am writing to formally dispute the continued and inaccurate reporting of two Department of EducationXXXX student loan accounts on my Equifax credit report, which I have been disputing since XX/XX/year>. Despite multiple attempts to resolve this matter, these accounts remain on my credit report and continue to cause ongoing damage to my creditworthiness by falsely reporting missed payments. 



Please take notice of the following : 1. These accounts have been deleted by both XXXX  and XXXX  after investigation and validation requests. The only bureau still reporting them is Equifax, which strongly indicates a reporting inconsistency and potential FCRA 623 ( a ) ( 1 ) ( A ) violation. 

2. Equifax has refused to provide a method of verification as required under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ) ( B ) ( iii ). I have not received any credible documentation showing the accuracy or validity of this reporting. 

3. The accounts are inaccurate and incomplete. They show a long-standing chain of missed payments that are not only misleading but also unfairly penalize my credit file. These entries lack supporting documentation and fail the FCRAs maximum possible accuracy standard ( 15 U.S.C. 1681e ( b ) ). 

4. I have also raised serious concerns regarding violations of federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ). I believe my educational and tax records were accessed improperly, and without consent, potentially by unauthorized third parties with elevated system access referencing, notably, an alleged breach involving XXXX XXXX or entities under his influence accessing sensitive personal and IRS tax data. This is not only a FERPA violation but potentially a criminal data breach under federal law. Equifax should not continue to report data connected to an account that may have been compromised. 

5. Equifaxs generic responses and refusal to investigate properly violate FCRA 611 ( a ) ( 1 ) and 611 ( a ) ( 2 ), which mandate a reasonable reinvestigation into disputes and furnishing specific results not form letters. 



My formal request : I am demanding the immediate deletion of the Department of EducationXXXX accounts from my Equifax credit file, on the grounds that : The accounts can not be verified or validated ; They are reported inconsistently and inaccurately ; They are associated with potential privacy and data security breaches ; You have failed to provide the required method of verification upon request; Continued reporting without sufficient basis constitutes willful noncompliance with the FCRA and possibly subjects Equifax to liability under 15 U.S.C. 1681n and 1681o. 



Please provide written confirmation of the deletion, or if Equifax insists on continuing to report these accounts, then provide : A complete and legally valid method of verification, including documentation from XXXX showing their authority to furnish this information and the accuracy of the account ; Explanation for why XXXX  and XXXX  removed the accounts while Equifax insists on maintaining them. 



If you fail to respond appropriately within the timeframe mandated by law ( 30 days from receipt ), I will proceed to file additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider pursuing private legal action for damages caused by inaccurate reporting, negligence, and emotional distress. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation