Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
Date : XX/XX/XXXX To : Experian Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Request for Permanent Deletion of Department of Education Student Loan Accounts Dear Dispute Department ( s ), I am formally disputing the reporting of the following XXXX XXXX accounts under the Department of Education currently listed on my Experian, Equifax, and TransUnion credit reports. These accounts are being disputed based on violations of federal law, including non-disclosure of rights under the Gramm-Leach-Bliley Act ( GLBA ) and violations of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Accounts in Dispute : DEPT. OF ED {$5500.00} DEPT. OF ED {$870.00} DEPT. OF ED {$1600.00} DEPT. OF ED {$5500.00} DEPT. OF ED {$7200.00} DEPT. OF ED {$2200.00} DEPT. OF ED {$970.00} DEPT. OF ED {$8000.00} DEPT. OF ED {$4000.00} DEPT. OF ED {$5400.00} DEPT. OF ED {$5100.00} DEPT. OF ED {$10000.00} DEPT. OF ED {$2200.00} Legal Grounds for Permanent Deletion : Gramm-Leach-Bliley Act ( GLBA ) : Under the GLBA, creditors and lenders are required to provide clear and timely privacy and data sharing disclosures, including the initial and annual notices explaining how a consumers personal data is handled. I never received such disclosures in connection with any of the above accounts.

FCRA 15 U.S.C. 1681e ( b ) : Consumer reporting agencies must ensure maximum possible accuracy. If these loans are being reported without proper origination or legal disclosures, they can not be verified as accurate under the FCRA.

FCRA 15 U.S.C. 1681b : Permissible purpose is required to include consumer information in a credit file. If these loans lack a lawful contractual foundation or disclosure, continued reporting serves no permissible purpose.

FCRA 15 U.S.C. 1681i : Consumer reporting agencies must reinvestigate disputed information and delete any account that can not be verified through proper, lawful documentation.

FCRA 15 U.S.C. 1681s-2 : Furnishers of information ( i.e., Department of Education or servicers ) are legally required to ensure the information they provide is accurate, complete, and verifiable.

My Formal Requests : 1. Immediately initiate a reinvestigation of the above Department of Education student loan accounts.

2. Permanently delete all listed accounts from my Experian, Equifax, and TransUnion credit files.

3. Block any future reinsertion of these accounts unless fully validated with original documentation and full compliance with federal disclosure laws under GLBA and FCRA, per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

4. Provide written confirmation of the results of your reinvestigation and the actions taken.

If you fail to comply with these lawful requests, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance with federal consumer protection statutes.

Thank you for your prompt attention to this matter. I expect a lawful resolution within the 30-day window mandated by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation