Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Date : XX/XX/XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Formal Complaint Regarding Violations of Student Loan Protections, Late Payment Reporting, and FERPA Privacy Breaches Dear CFPB Representative, I am writing to file a formal complaint regarding serious violations related to my XXXX  loans, including breaches of the Higher Education Act, the Family Educational Rights and Privacy Act ( FERPA ), and possible violations of the Fair Credit Reporting Act ( FCRA ). 
1. Improper Access and Investigation of My XXXX Loan Records It has come to my attention that my XXXX  loan information may have been improperly accessed, reviewed, or scrutinized by unauthorized individuals or entities, including XXXX XXXX and/or affiliated parties. If this is accurate, such access constitutes a clear violation of FERPA, which protects the privacy of XXXX education records. Under 20 U.S.C. 1232g and 34 CFR Part 99, no third party may review or receive XXXX loan or education records without my written consent. 
2. Violations of the Higher Education Act My servicer has failed to meet several obligations under the Higher Education Act of 1965, including, but not limited to : Failing to provide adequate notice or explanation for changes in my loan status or repayment terms. 
Mishandling of deferment or forbearance requests. 
Misrepresentation or failure to provide accurate account statements and balances. 
3. Late Payments Reported Without Proper Notice Late payments have been reported to the credit bureaus without notifying me in advance or giving me an opportunity to correct the issue, which may violate the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). Under FCRA, furnishers are required to ensure accuracy and completeness of information reported and must notify the consumer before negative reporting. 
4. Violation of Privacy Rights Under XXXX If my XXXX loan data has been used or exposed via the XXXX XXXX XXXX ( XXXX ) or similar platforms without my consent, this represents an additional breach of privacy and requires immediate investigation and correction. 



Requested Action : I respectfully request the CFPB to : Investigate these possible violations thoroughly. 
Require my XXXX loan servicer to provide a full audit of my account and detailed history of any third-party access or reporting. 
Remove any inaccurate or improperly reported information from my credit report. 
Enforce appropriate penalties or sanctions if unlawful access or reporting is confirmed. 

Please contact me if additional documentation is required. I am prepared to cooperate fully in any investigation. 

Thank you for your time and attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation