Consumer complaint received 2025-08-05 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: TN

Complaint narrative:
XXXX XXXX AM EST - I just recorded a call which lasted over XXXX hour and XXXX minutes with the followed staff at XXXX : XXXX XXXX XXXX XXXX Collections Customer Service Rep , & XXXX XXXX , Bill Collections Customer Service Team Leader & Assistant to XXXX XXXX XXXX XXXX & XXXX Collections Manager. Here is the link to that recorded call : https : XXXX In violation of a plethora of Federal and State of TN consumer rights laws, debt collection laws and regulations, and credit reporting laws, for over 12 months, XXXX has been unable to validate the alleged Private Student Loans Debts owed in the following ways, and have abused me as a consumer/student in the following ways ( not limited to the following ways ) : 1. Can not define if interest rates are simple interest or compounding interest, 2. Can not explain basic data points on the consumer/student portal, 3. Lies about who controls the interest rates, and who sets them, and how they are set, 4. Can not identifiy the mailing address or contact information of the company who the debts allegedly orginated with, 5. Admits that past, repeated, research and document mailouts sent to me did not contain the information it was supposed to contain, that would be needed to validate the alleged debt amounts owed, 6. Staff are not able to explain the difference between simple and compound interest for the past 12 months, on top of not being able to inform me which type is applied to these alleged debts owed, 7. Staff are not able to explain when or how adjustments are calculated and applied when payments are made early or extra, 8. Staff acknowledge that online system provided to consumer/student does not shows interest rates at times of payment and adjustments in the Account History panel, 9. Staff repeatedly admits that they are trained to, and required to, lie to me about my rights to record my calls with them in an effort to cause me fear, stress, and harm, and to prevent me from gathering evidence about their inability to validate alleged debts, and to prevent me from documenting long term patterns of consumer/student abuse, 10. Staff is caught lying about a variety of matters, 11. Staff admits that despite an admitted over 73 documents mailed to me in the past 12 months, they are still unable to validate the debts, and answer basic and simple questions about the alleged amounts owed, and how those amounts were calculated, accounted for, originated, and recorded, 12. Staff pretended they can not see call logs that they can indeed see, admits they lied, refuses to provide data on total number of communications, but admits that it far exceeds over XXXX calls this year XXXX alone, 13. Staff admits that they have no records to validate the debts, their interest rates, and their accounting between the time span of XXXX to XXXX, making debt validation an impossiblity, and they have admitted this in countless calls, and mail correspondences for over 12 months, XXXX. Staff states, " We don't know what your interest rates were in XXXX XXXX, 15. Staff states, " We don't know what your interest rates were in XXXX XXXX, XXXX. XXXX admits they have received XXXX education on Federal and State laws regarding debt validation practices and requirements from XXXX, and that they have no ability to help me take those steps, because they have never been taught that those laws exist., XXXX. Staff becomes distractionary, insulting, unprofessional, repetitive, difficult, threatening, accusatory, and impossible to communicate with when attempting to discuss certain topics, because they know that they are breaking many laws, 18. Staff pretends that they don't know what is going on, when in fact they do know what is going on., 19. Staff is unable to name person or job title for who is responsible for continuing to illegally report that these invalid, and unvalidated debts exist., 20. Staff refuses to cease and desist reporting of invalid debts to all 3 credit bureaus, 21. Staff has not filed corrections to credit bureaus when having reported false information about me in the past 24 months, despite repeated requests, and evidence, on a variety of matters., 22. Staff repeatedly claims that Ombudsman and XXXX Advocate with help further, but those departments never do help., XXXX. XXXX admitted XXXX writing twice that they were missing a large amount of transaction history, making these debts impossible to validate, and illegal to continue to collect on., and much more. 

Again, all of these have been long term patterns of behavior, well documented, and well established. 

I have filed multiple formal complaints additionally with all XXXX credit bureaus asking them to cease and desist allowing XXXX to report that these debts exist, in light of all factors. When attempting to get this properly handled, XXXX XXXX and all XXXX Credit Burease ignore all Federal and State Laws which are applicable, and continue to report that invalidated, mismanaged, and abusive alleged debts still exist. Lastly, when I ask the Credit Bureaus to provide me with proof that debt validation was provided to them by XXXX in the legally required time frams, they have all XXXX been 100 % unable to provide any of that proof. 

I request to be included in any and all applicable lawsuits brought against XXXX XXXX XXXX  & Equifax & XXXX  in regards to these and related matters, and I request to be contacted by any, and all, attorneys, law firms, and government agencies working to hold the above named entities accountable for they many unlawful and criminal actions and abuses against consumers, citizens, and students. 

Here is a list of some of the Federal and State Laws which they have all actively violated for over 12 months : Here 's a XXXX XXXX  detailed list of both Federal and Tennessee State laws and regulations XXXX XXXX  that you can include at the end of your formal complaint letter. These are commonly cited in matters related to XXXX XXXX debt validation, credit reporting, consumer protection, and fair debt collection practices XXXX XXXX. Each citation includes the legal source and a brief explanation of how it applies. 

-XXXX XXXX XXXX XXXX XXXX XXXX Federal Laws and Regulations Violated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1692 et seq. XXXX XXXX XXXX Protects consumers from abusive debt collection practices. Violations include : XXXX  Failing to validate debts within 5 days of initial communication ( per 1692g ).

XXXX  Misrepresentation or deception ( 1692e ).

XXXX  Harassment, oppression, or abuse ( 1692d ).

XXXX  Unfair or unconscionable practices ( 1692f ). 

XXXX XXXX XXXX XXXX XXXX XXXX  Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 et seq. XXXX XXXX XXXX Regulates how credit information is collected, distributed, and corrected. 

XXXX  Furnishers of information must report accurately ( 1681s-2 ).

XXXX  Credit bureaus must investigate disputes and remove unverifiable items within 3045 days ( 1681i ).

XXXX  Consumers have a right to dispute inaccurate information ( 1681i ( a ) ). 

XXXX XXXX XXXX XXXX XXXX XXXX Truth in Lending Act ( TILA ) XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1601 et seq. XXXX XXXX XXXX  Requires clear disclosure of key terms and costs of lending. 

XXXX  Failure to clearly disclose interest rate types ( simple vs. compound ). 
XXXX  Failure to provide an accurate accounting of payments and balances. 

XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Act ( Title X of the Dodd-Frank Act ) XXXX XXXX XXXX XXXX XXXX  12 U.S. Code 5481 et seq. XXXX XXXX XXXX  Prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ). 

XXXX  CFPB has enforcement authority over entities like XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX Electronic Fund Transfer Act ( EFTA ) XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1693 et seq. XXXX XXXX XXXX  Requires accurate records and procedures for electronic payments. 

XXXX  Lack of transaction history and mismanagement of online account data may fall under this. 

XXXX XXXX XXXX XXXX XXXX XXXX Higher Education Act of 1965 ( as amended ) XXXX XXXX XXXX  Governs federal student loans and services. While private loans are not federally backed, XXXX XXXX improper administration of loans originally part of FFEL or other programs could trigger violations XXXX XXXX under this XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX Gramm-Leach-Bliley Act ( GLBA ) XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 68016827 XXXX XXXX XXXX  Requires financial institutions to protect consumer financial data. 

XXXX  Failure to provide adequate privacy notices and account security. 

XXXX XXXX XXXX XXXX XXXX XXXX Tennessee State Laws and Regulations Violated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tennessee Consumer Protection Act ( TCPA ) XXXX XXXX XXXX XXXX XXXX Tenn. Code Ann . 47-18-101 et seq. XXXX XXXX XXXX  Prohibits unfair or deceptive acts or practices affecting trade or commerce. 

XXXX  Debt collection and misrepresentation of loan terms qualify. 
XXXX  Each deceptive statement or omission could constitute a separate violation. 

XXXX XXXX XXXX XXXX XXXX XXXX  Tennessee Collection Service Act XXXX XXXX XXXX XXXX XXXX Tenn. Code Ann . 62-20-101 et seq. XXXX XXXX XXXX  Regulates the conduct of debt collectors in Tennessee. XXXX Collectors must be licensed and follow state rules regarding communication and representation. 
XXXX  Failure to validate debts or provide proper accounting is a violation. 

XXXX XXXX XXXX XXXX XXXX XXXX  Tennessee Credit Services Businesses Act XXXX XXXX XXXX XXXX XXXX Tenn. Code Ann . 47-18-1001 et seq. XXXX XXXX XXXX Protects consumers from fraudulent credit repair or reporting practices. 

XXXX  Credit reporting agencies can be liable for continuing to report false or unverifiable information. 

XXXX XXXX XXXX XXXX XXXX XXXX  Tennessee Privacy of Communications Act XXXX XXXX XXXX XXXX XXXX Tenn. Code Ann . 39-13-601 XXXX XXXX XXXX One-party consent state : XXXX XXXX Recording phone conversations is legal as long as one party ( you ) consents. XXXX XXXX XXXX XXXX threats or lies about recording legality may be construed as intimidation or deception. 

XXXX XXXX XXXX XXXX XXXX XXXX Tennessee Unfair Trade Practices Law XXXX XXXX XXXX Broad protections against unethical business conduct. 

XXXX  Failing to respond to consumer complaints, providing false information about debt, or mismanaging accounts may fall under this. 

-- - XXXX XXXX XXXX XXXX XXXX  Federal Criminal Code XXXX XXXX XXXX XXXX 18 U.SXXXX Code 1001 XXXX XXXX False statements made knowingly to a federal agency may be a federal offense if applicable to correspondence with agencies like CFPB or Dept. of Education. 

Closing Summary : The above list outlines a representative sample of the Federal and Tennessee State statutes that have been continuously violated by XXXX XXXX and the associated credit bureaus XXXX in their handling of my accounts, communications, and rights as a consumer and former student. I request that appropriate legal and regulatory action be taken, and that I be contacted regarding any ongoing litigation or enforcement actions pertaining to these violations.

Company response to consumer: Closed with non-monetary relief