Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XX/XX/year> -- -- - * * TO : * * Experian, Equifax, TransUnion Credit Reporting Agencies * * CC : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE : * * Formal Dispute - Multiple FCRA Violations and Demand for Deletion * * Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Loans ( XXXX accounts ) * * Total Reported Debt : * * {$27000.00} -- -- - # # NOTICE OF DISPUTE UNDER FCRA 611 - DEMAND FOR IMMEDIATE DELETION Dear Credit Reporting Agencies, I am formally disputing the * * ENTIRE REPORTING * * of all XXXX XXXX XXXXXXXX XXXX XXXX accounts on my credit reports based on multiple violations of the Fair Credit Reporting Act. These accounts must be * * PERMANENTLY DELETED * * due to systematic FCRA non-compliance. 

# # CRITICAL FCRA VIOLATIONS IDENTIFIED # # # 1. VIOLATION OF FCRA 1681c ( c ) - REPORTING PROCEDURES * * Legal Requirement : * * Creditors must have reasonable procedures to avoid reporting duplicate accounts. 

* * Violation : * * The reporting of * * XXXX separate student loan accounts * * with identical creditor names ( XXXX XXXX XXXX ) and identical reporting dates ( XXXX. XXXX, XXXX ) suggests : - Systematic duplication of accounts - Failure to maintain reasonable reporting procedures- Artificial inflation of credit file entries - Violation of the one debt, one entry principle # # # 2. VIOLATION OF FCRA 1681e ( b ) - MAXIMUM POSSIBLE ACCURACY * * Legal Requirement : * * Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 

* * Violation : * * The simultaneous reporting of multiple identical creditor entries without proper differentiation violates accuracy requirements : - No clear account identification numbers visible - Identical reporting dates across all accounts - Potential commingling of separate loan obligations - Failure to provide clear, distinguishable account information # # # 3. VIOLATION OF FCRA 1681i - REINVESTIGATION PROCEDURES * * Legal Requirement : * * CRAs must maintain reasonable procedures for investigating disputed information. 

* * Violation : * * The pattern of reporting suggests : - Failure to verify individual account accuracy - Bulk reporting without proper verification procedures - Inadequate reinvestigation protocols for multiple related accounts # # # 4. VIOLATION OF FCRA 1681s-2 ( b ) - FURNISHER ACCURACY OBLIGATIONS * * Legal Requirement : * * Furnishers must provide accurate information and investigate disputes. 

* * Violation : XXXX XXXX XXXX XXXX XXXXXXXX has failed to : - Provide clear account differentiation - Maintain accurate individual loan reporting - Follow proper furnishing procedures for multiple accounts # # LEGAL BASIS FOR PERMANENT DELETION # # # FCRA 1681i ( a ) ( 5 ) ( A ) - DELETION REQUIREMENT * If the reinvestigation does not resolve the dispute, the consumer reporting agency shall delete the item of information from the file of the consumer. * # # # FCRA 1681e ( b ) - ACCURACY MANDATE * Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy. * # # # FCRA 1681c ( a ) - INFORMATION REQUIREMENTS * A consumer reporting agency may not make any consumer report containing information which is inaccurate. * # # SPECIFIC DEMANDS FOR COMPLIANCE Pursuant to federal law, I demand * * IMMEDIATE AND PERMANENT DELETION * * of XXXXXXXX XXXX XXXX XXXXXXXX accounts based on : 1. * * PROCEDURAL VIOLATIONS * * - Failure to maintain reasonable reporting procedures for multiple accounts 1. * * ACCURACY VIOLATIONS * * - Inability to provide clear, distinguishable account information 1. * * VERIFICATION FAILURES * * - Lack of proper individual account verification 1. * * DUPLICATION CONCERNS * * - Potential artificial multiplication of credit file entries # # REINVESTIGATION REQUIREMENTS Under FCRA 1681i ( a ) ( 1 ), your reinvestigation must determine : - * * Individual Account Validity * * - Verify each account represents a separate, legitimate obligation - * * Proper Documentation * * - Confirm adequate supporting documentation exists for each reported account - * * Reporting Accuracy * * - Validate that each account meets accuracy standards- * * Procedural Compliance * * - Ensure reporting follows reasonable procedures * * If any account can not be individually verified with complete accuracy, it must be deleted per FCRA 1681i ( a ) ( 5 ) ( A ). * * # # DEMANDED ACTIONS I demand the following actions within 30 days : 1. * * PERMANENTLY DELETE * * all XXXXXXXX XXXX XXXX XXXXXXXX student loan accounts from my credit files 1. * * PROVIDE WRITTEN CONFIRMATION * * of complete deletion from all three bureaus 1. * * NOTIFY ALL ENTITIES * * who received my credit report in the past 6 months of these deletions 1. * * SEND UPDATED CREDIT REPORTS * * showing complete removal of these accounts 1. * * CEASE ALL FUTURE REPORTING * * of these accounts unless proper FCRA compliance procedures are implemented # # NOTICE TO FURNISHER XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX is hereby notified : Under FCRA 1681s-2 ( b ), you must : - * * Immediately investigate * * this dispute when notified by credit bureaus - * * Cease furnishing * * any information that can not be verified as completely accurate - * * Correct or delete * * any inaccurate information - * * Implement proper procedures * * to prevent future FCRA violations # # LEGAL CONSEQUENCES OF NON-COMPLIANCE Failure to comply with these demands subjects you to : * * FCRA Statutory Damages : * * - * * 1681n * * - Willful violations : $ XXXX {$1000.00} per violation plus actual damages and attorney fees- * * 1681o * * - Negligent violations : Actual damages and attorney fees- * * Multiple Account Violations * * - Separate penalties for each improperly reported account * * Additional Legal Claims : * * - Federal consumer protection violations- State credit reporting law violations- Negligent and intentional credit reporting practices # # CONSUMER HARM STATEMENT The improper reporting of these multiple student loan accounts has : - Artificially inflated my credit file - Created confusion about my actual debt obligations- Potentially impacted my credit scores and financial opportunities - Violated my fundamental right to accurate credit reporting # # FINAL NOTICE This dispute is based on clear violations of federal law requiring accurate, properly verified credit reporting. The systematic issues with these accounts necessitate complete deletion rather than correction.

I expect full compliance with FCRA requirements and permanent deletion of all disputed accounts within the statutory 30-day period. 

* * METHOD OF DELIVERY : * * Certified Mail, Return Receipt Requested * * Sincerely, * * XXXX XXXX

Company response to consumer: Closed with explanation