Consumer complaint received 2025-03-29 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: SC

Complaint narrative:
To Whom It May Concern, This letter serves as a formal demand for the immediate removal of my student loan accounts from all credit reporting agencies due to multiple violations of my privacy rights under FERPA, the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Fair Debt Collection Practices Act ( FDCPA ).

1. FERPA VIOLATION UNAUTHORIZED DISCLOSURE OF EDUCATIONAL RECORDS As a student borrower, my financial aid and loan information are protected under the Family Educational Rights and Privacy Act ( FERPA ), which prohibits the unauthorized disclosure of my educational records without my explicit written consent ( 34 CFR 99.30 ). You have unlawfully disclosed my private financial aid and loan records to third-party credit bureaus and unauthorized entities without my permission. This is a direct violation of FERPA and federal privacy laws.

2. FCRA VIOLATIONS FALSE REPORTING & UNAUTHORIZED ACCESS My student loan accounts are in deferment until 2027. Therefore, there should be no late payments reported during this period. Reporting late payments while my loans are in deferment is a clear violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting inaccurate or misleading information.

Additionally, under 15 U.S.C. 1681b, my consumer report was accessed without permissible purpose by entities that were not authorized to view my financial data. This includes credit reporting agencies such as Equifax, TransUnion, and Experian, as well as any third parties such as XXXX XXXX or his affiliates. 

3. GLBA VIOLATION FAILURE TO PROVIDE OPT-OUT DISCLOSURE Under 15 U.S.C. 6802 ( b ) ( GLBA ), I have the right to opt out of having my non-public personal information ( NPI ) shared with third parties. You failed to provide me with a proper opt-out disclosure and wrongfully allowed my personal financial information to be accessed and shared without my consent.

4. FDCPA VIOLATIONS UNFAIR & DECEPTIVE REPORTING PRACTICES The Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ) prohibits the use of false, deceptive, or misleading representations in connection with debt collection. Reporting false late payments on an account that is in deferment is an unlawful and deceptive practice that violates federal law.

DEMAND FOR IMMEDIATE REMOVAL Due to these violations of FERPA, FCRA, GLBA, and FDCPA, I demand the immediate removal of these student loan accounts from my credit report. This is not a requestit is a formal demand.

If you fail to comply within 15 days, I will file formal complaints with the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) U.S. Department of Education ( FERPA Enforcement Division ) State Attorney General 's Office Furthermore, I will explore legal action for the unlawful sharing of my private financial records, FERPA violations, and false credit reporting.

I require written confirmation of the removal of these accounts within 15 days. If you believe you are in compliance, provide documented proof of my signed authorization permitting access to my financial records and justification for false late payment reporting during my deferment period.

This is your final notice before escalation.

Company response to consumer: Closed with non-monetary relief