Consumer complaint received 2025-07-22 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: CO

Complaint narrative:
This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding multiple student loan accounts reported by XXXX XXXX and related services. These accounts are being inaccurately reported on my credit file and are causing unwarranted damage to my credit standing. 
________________________________________ Disputed Accounts : Creditor Name : XXXX XXXX/ XXXX Loan Statuses : Transferred, Sold, Duplicate Listings, Inconsistent Dates Accounts Involved : Multiple loans from XXXX yrs to XXXX yrs age, several listed under transferred/sold status, and some show no date of first delinquency, mismatched dates of last activity, and reporting beyond required timeframes. 
________________________________________ Legal Grounds for Dispute : FCRA 1681c-2 : I am invoking my right to block any information resulting from identity theft or unauthorized reporting. Several of these entries appear inaccurate, were not authorized, or were transferred/sold years ago and should no longer remain active.

FCRA 1681i : I request reinvestigation of each listed account. Under the law, you must complete your investigation within 30 days and remove unverifiable or inaccurately reported data.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Data furnishers are responsible for providing complete and accurate information. These accounts lack the required first delinquency date, violate Metro 2 guidelines, and show conflicting dates across bureaus.

Metro 2 Reporting Standards : Any student loan that has been transferred, sold, or closed must clearly reflect that status and not remain listed as open or duplicative. Any failure to accurately code the account in compliance with Metro 2 formatting standards is grounds for deletion. 
________________________________________ Requested Resolution : Immediately delete or correct all inaccurate XXXX student loan accounts. 
Remove any accounts transferred or sold that still appear active or duplicative. 
Delete accounts with no date of first delinquency, inconsistent payment history, or unverifiable data. 
Provide written confirmation of the changes along with a fresh copy of my credit report. 
________________________________________ I am asserting my rights under federal law and expect full compliance. If you fail to correct or remove these items within 30 days, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and consider civil action under FCRA 1681n and 1681o for willful noncompliance.

Transunion Consumer Relations XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681 C-2 To Whom This May Concern : Im writing to formally request the blocking of inaccurate and fraudulent information on my credit report in accordance with 15 U.S.C. 1681 C-2 OF THE Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft, and the items listed below do not relate to any transaction I made or authorized. I am disputing several student loan accounts currently listed on my Transunion credit report under the servicer name XXXX. I have reason to believe that these accounts were opened without my knowledge, or are the result of identity theft. 

The following entries are unauthorized and must be removed : XXXX XXXX-ORIGINAL CREDITOR -XXXX  Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C 1681i ) I am requesting that these accounts be investigated. If you are unable to verify their accuracy and legitimacy, they must be removed from my credit file. PER FCRA 1681 C-2 You are required to block the fraudulent information within 4 business days of receiving this request. Please provide information has been removed or blocked from my credit file. Thank you for the prompt attention to this matter. 
Attached are the following documents driver licenses, social security number, and proof of address. 
Please complete this investigation within 30 days of receipt of this letter, as required by law. I look forward to your response in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation