Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
To Whom It May Concern, This is ROUND TWO and this time, I am not just demanding answers, Im demanding accountability.

I am again lodging a formal complaint regarding the unauthorized access and illegal use of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). What has occurred is not just unethical it is a blatant violation of FERPA, Title IV, and multiple federal data protection laws. You have fraudulently tried to deny my documents that have been submitted which are my state issued id, my proof of address, my FTC letter, and my social security card which was a picture that you tried to say is not legible which is false and fraud to withhold investigating and deleting fraudulent activity and inaccuracies on I report.

Let me make this absolutely clear : my sensitive, federally protected records were accessed without my consent, and I now have evidence of their misuse. This includes : My academic records and personally identifiable information ( PII ) My complete FAFSA and federal student aid data IRS tax transcripts that were accessed and utilized without legal authority and here 's where the situation escalates : XXXX  has officially removed these fraudulent entries from my credit report. Thats right VERIFIED. If XXXX  found these records invalid and unauthorized, then the burden is now fully on you to explain why they existed in the first place. Your actions or failure to act have directly contributed to the compromise of my financial identity and personal security. 

The violations of FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) and Title IV regulations are undeniable. The unauthorized use of my IRS data is a potential federal crime and I am treating it as such. 

As a result, I demand the following immediate actions : Full discharge and cancellation of all federal student loans tied to the breached data. The integrity of those loan agreements is irreparably compromised. 

An immediate and formal investigation into this breach : who accessed my records, when, how, and why? 

A complete report detailing the extent of the data exposure and all corrective measures being implemented. 

Written communication from your office to all major credit bureaus ( Equifax, XXXX, XXXX, XXXX XXXX ), acknowledging the breach and ensuring a fraud alert and investigation are initiated. 

This is your final opportunity to resolve this matter before I take further action, including but not limited to : Filing complaints with the Federal Trade Commission ( FTC ) Filing a report with the Consumer Financial Protection Bureau ( CFPB ) Initiating legal proceedings for the unauthorized access, storage, and distribution of my private data You have 15 days to respond and resolve this matter. If you fail to do so, I will pursue every legal and regulatory avenue available aggressively and relentlessly. 

This isnt a request. This is a warning. 

I expect your written response detailing the immediate corrective actions you are taking. Address all correspondence to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation