Consumer complaint received 2024-12-27 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: VA

Complaint narrative:
On for about XXXX and XXXX XXXX fraudulent student loans were taken out in by name for XXXX XXXX XXXX XXXX. I never attended this institution, never earned credits, never enrolled in classes and aware of any enrollments to XXXX. I have reached out to XXXX on a number of occasions and receive no assistance. XXXX XXXX the original servicer of these loans and then it was transferred to XXXX and now to another servicer after XXXX was banned from servicing student loans on or about XX/XX/XXXX of XXXX by the CFPB. XXXX alleged that they were not aware of the chapter XXXX filing in XXXX and the reopening in XXXX. That is incorrect information. XXXX was on the creditors matrix and was notified by the Eastern District of Virginia Bankruptcy Court along with XXXX and XXXX XXXX as the previous servicer. XXXX advised me on a number of occasions that the bankruptcy laws did not apply to them and they did not have to abide by the federal laws or the automatic stay. I have all documented lay out of all contact made to or from them to me and me to them. It will all be laid out in the XXXX for Sanctions and XXXX to XXXX for XXXX cause. After XXXX falsely advising XXXX that the student loans were in default in XXXX of XXXX and receiving funds under fraudulent pretenses, they were made to refund these funds back to XXXX upon my giving correct and accurate information to the ombudsman for XXXX XXXX XXXX. Upon speaking with XXXX XXXX she advised me to fill out a loan discharge form and email it back to her which I did the next day. As of XX/XX/XXXX this form has not been received by the XXXX about the loan discharge by XXXX and now they have been banned from servicing student loans and it is anyone guess where this form might be. Now I am receiving letters from XXXX about the loans and in conversation with them they advised that they purchased the loans from XXXX and that they were not made aware by XXXX upon the purchase that the loans were fraudulent and it was not up to them to address this it was my problem. I have filed a police report with XXXX XXXX Police as I was living in XXXX XXXX Virginia when the loans were obtained and not at the address that XXXX alleges that I was living at. I recently obtained definitive proof that I did not reside at the address on the MPN. In a previous complaint it was advised as a company response by XXXX that if XXXX did not respond for there requests for student records and information by XX/XX/XXXX, XXXX would direct Navient to file a loan discharge. XXXX has not responded back to any complaints and as of this date no request by anyone has been made to file a discharge on the loans. Again I have obtained a court date of XX/XX/XXXX at XXXX ; XXXX XXXX  and all parties will be notified to appear or send a legal representative on their behalf. This has been the most pathetic display of fraud, theft, identity theft and assistance thereof and in as much as I have tired to be amicable with handle this outside the courts it is now necessary to escalate this back to the bankruptcy court and then file a separate case in the federal court of violations of the FCRA and damages. In as much as it pains me to have to consistantly deal with this and take unnecessary time out of my day and my school studies which by the way I had to pay for out of pocket because I could not get financial aid because of the misinformation and incorrect information filed by XXXX I will seek damages for that as well. No one has done what they have said they would to to rectify this matter or assist. It is deplorable that people have jobs and take no pride in them but collect a paycheck for stealing and fraud.

Company response to consumer: Closed with explanation