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 status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Formal Complaint XXXX XXXX Breach and Request for Student Loan Debt Removal from Credit Report To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX due to its XXXX data breach that compromised the personal and financial information of millions of borrowers, including myself. I request the removal of the associated student loan debt from my credit report based on this breach and the associated legal violations under federal law. 
Background : In XXXX, XXXX disclosed a major data breach involving unauthorized access to its systems, which exposed the sensitive data of over XXXX XXXX student loan borrowers. This data included names, Social Security numbers, email addresses, phone numbers, and account information. I received a breach notification confirming that my information was involved. 
This breach constitutes a failure to safeguard sensitive consumer data, in direct violation of the Gramm-Leach-Bliley Act ( GLBA ) and its Safeguards Rule ( 16 CFR Part 314 ). XXXX, as a financial institution, had a legal obligation to implement adequate measures to protect consumer information. Their failure to do so is also relevant under the Fair Credit Reporting Act ( FCRA ), particularly regarding the accuracy and integrity of information furnished to credit bureaus.

Legal Basis for Request : Under 15 U.S.C. 1681c-2 ( Section 605B of the FCRA ), I am entitled to request that information resulting from fraud or identity theft be blocked or removed from consumer credit reports. Since XXXX breach makes it impossible to verify the integrity and validity of this debt, and I can not confirm that it has not been altered, compromised, or misused, it should be removed. 
Furthermore, I believe XXXX violated their legal duties under : Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) requiring secure handling of consumer information, FCRA ( 15 U.S.C. 1681s-2 ) requiring accurate reporting and investigation of disputed information. 
My Request : I respectfully request the following actions from the CFPB : 1. Immediate removal or blocking of the student loan debt serviced by XXXX from all credit reporting agencies due to the breach and inability to confirm its accuracy.

2. A formal investigation into XXXX compliance with federal data protection requirements under the GLBA and FCRA. 
3. Enforcement of any penalties deemed appropriate for XXXX failure to secure borrower data. 

XXXX  negligence has placed my financial security at risk. It is unjust for this debt to remain on my credit report when the loan servicer failed to meet its legal responsibilities to protect my private information. I am asking the CFPB to act in defense of consumer rights and ensure I am not further harmed. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation