Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX Deletion Letter For All Bureaus XXXX XXXX XXXX XXXX Equifax Information Services LIC XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX, PA XXXX Re : Formal Dispute of XXXX XXXX XXXX Reporting FCRA 609, 611, 623 ; Higher Education Act Compliance ; Metro 2 Violations To Whom It May Concern, I am formally disputing the accuracy and legality of the XXXX student loan tradeline ( s ) being reported on my consumer credit files. These entries violate the Fair Credi Reporting Act ( FCRA ), the Higher Education Act ( HEA ), and the Metro 2 Credit Reporting Standards, and must therefore be deleted. 

Specific Legal Grounds for Removal FCRA 609 ( a ) ( 1 ) ( A ) - Full File Disclosure I demand the original source documents verifying the debt, including the signed promissory notes. If you can not provide these directly from XXXX, the account must be deleted under FCRA 611 ( a ) ( 5 ).

FCRA 611 ( a ) ( 1 ) ( A ) - Right to Reinvestigation You are required to reinvestigate any disputed item. If the furnisher ( XXXX ) can not provide full validation in compliance with the Higher Education Act 's recordkeeping requirements, this tradeline must be removed.

FCRA 623 ( a ) ( 5 ) - Accurate Reporting of Date of First Delinquency ( DOFD ) XXXX has a long history of re-aging student loans to keep them active on credit reports beyond the XXXX limit under 605 ( a ) ( 4 ). If the DOFD is misreported or altered, this constitutes unlawful re-aging and requires deletion.

FCRA 605 ( a ) ( 5 ) - Obsolete Information Any federal student loan placed in default, collection, or charged-off status is subject to a XXXX reporting limitation from the DOFD, unless federally re-affirmed. If XXXX has continued to report beyond this statutory limit, deletion Higher Education Act, 20 U.S.C. 1091a ( a ) ( 2 ) While the HEA prohibits a statute of limitations on collection of federal loans, it does not override the FCRA statute of limitations on credit reporting. Therefore, XXXX can not use the HEA to justify indefinite reporting, once the 7 years from DOFD has passed, it is unlawful to continue furnishing. 
Metro 2 Compliance Violations Field XXXX : Account Status and Field XXXX : Payment Rating contain contradictory codes, showing " in repayment '' while also in deferment/forbearance. 
Field XXXX : Payment History Profile reflects delinquency in months where no payment was due, violating FCRA 607 ( b ) ( maximum accuracy ). 
Field XXXX : Compliance Condition Code ( CCC ) does not reflect an " XXXX '' code ( consumer disputes ). This omission itself makes the tradeline incomplete and misleading under CFPB XXXX XXXX. 


Because XXXX 's reporting is legally non-compliant under : FCRA 605 ( a ) ( 4 ) - ( 5 ), 607 ( b ), 609, 611, 623 Higher Education Act 20 U.S.C. 1091a ( a ) ( 2 ) Metro 2 Field Reporting Standards ( CRRG )... I hereby demand that the XXXX tradeline ( s ) be deleted in full from my credit profile.

Failure to comply within the 30-day period will result in immediate filing of complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuit of remedies under 15 U.S.C. 1681n ( civil liability for willful noncompliance ). 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation