Consumer complaint received 2025-05-29 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: IL

Complaint narrative:
Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Student Loan Accounts and Demand for Immediate Deletion Due to FERPA and FCRA Violations Dear Equifax Disputes Department XXXX This letter serves as my formal dispute and final demand for the removal of certain student loan accounts currently being reported on my Equifax credit report, which have already been removed from both TransUnion and Experian as XXXX XX/XX/year>, due to violations including FERPA breaches, unauthorized access to my IRS tax data, and other serious compliance failures. 



Details of Dispute : XXXX. These accounts contain federally protected educational data, which fall under the jurisdiction of the Family Educational Rights and Privacy Act ( FERPA ) [ 20 U.S.C. 1232g ]. My student records were accessed and reported without proper consent, constituting a violation of federal privacy protections. 

XXXX. My IRS tax data was accessed without my permission, likely via the XXXX data-sharing pathway. This constitutes a serious breach of privacy under federal tax law ( including violations under 26 U.S. Code 6103 ), and data obtained through such means should never have been used in credit reporting. 

XXXX. These accounts were deemed inaccurate and removed from TransUnion and Experian based on these violations and after investigation of my previous disputes. Yet, Equifax continues to report these same accounts without justification, which is a violation of : FCRA 607 ( b ) requiring furnishers to maintain the maximum possible accuracy of information.

FCRA 611 ( a ) requiring credit bureaus to investigate disputed information within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) prohibiting the reporting of information known or reasonably known to be inaccurate.

4. I have disputed these accounts with Equifax multiple times, and have not received sufficient responses or investigation results that demonstrate compliance with my rights. Continuing to report unverified and inaccurate data after multiple disputes violates : FCRA 623 ( b ) ( 1 ) which requires a furnisher to conduct a reasonable investigation and cease reporting inaccurate information.

FCRA 611 ( a ) ( 5 ) requiring deletion if an item can not be verified within the prescribed period. 

XXXX. If a debt collector is involved with the reporting or furnishing of these student loan accounts, this also likely constitutes violations under the Fair Debt Collection Practices Act ( FDCPA ) including : 15 U.S.C. 1692e ( 8 ) reporting information to a credit bureau which is known to be false or which should be known to be false.

15 U.S.C. 1692g failure to validate a debt upon request.

6. Furthermore, if any third-party collector is continuing to report this student loan debt without proper validation and after disputes, this is also a violation of Regulation F ( 12 CFR Part 1006 ) : 1006.30 ( a ) prohibiting false, deceptive, or misleading representation. 

1006.34 requiring debt collectors to provide a validation notice and itemization of the debt.

1006.42 requiring clear and timely communication using the consumers correct information and channels. 

I request Equifax to remove this account from my credit report immediately Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation