Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
This letter is a formal dispute regarding certain student loan accounts that are currently being reported by XXXX and reflected on my credit reports from Equifax, XXXX XXXX XXXX. These accounts pertain to loans associated with the XXXX XXXX XXXX  XXXX, and are being reported inaccurately and in violation of my rights under federal law as well as XXXXERPA as follows : Firstly being the clear violation of FERPA Unauthorized Disclosure of Education Records Under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g ( b ), the disclosure of personally identifiable information from education records is strictly limited. Specifically : No funds shall be made available ... to any educational agency or institution which has a policy or practice of permitting the release of education records ... without the written consent of their parents or the students. 

I have never provided written consent to XXXX or any third-party debt servicer or credit reporting agency to access, distribute, or publish any part of my educational records or related financial data. Furthermore, 20 U.S.C. 1232g ( b ) ( 1 ) states : " The consent must be signed and dated and shall specify the records that may be disclosed, the purpose of the disclosure, and the party or class of parties to whom the disclosure may be made. '' No such valid, dated, and purpose-specific written consent was ever provided by me to XXXX for the transmission of any part of my educational or loan data to third parties, including credit bureaus. Therefore, any reporting based on this unauthorized disclosure constitutes a direct violation of FERPA, and such tradelines must be removed immediately. 

XXXX. Student Loan Account ( XXXX ) have already been canceled IRS Form 1099-C I have already received an official IRS Form 1099-C from XXXX indicating that the loan was discharged and canceled, and that the XXXX XXXX XXXX XXXXXXXX no longer considers this debt owed. Under IRS regulations, the issuance of a 1099-C constitutes the creditors acknowledgment that the debt has been canceled. 
As such, continuing to report this as active, delinquent, or in collections is both inaccurate and misleading, and violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting Debt Validation 15 U.S.C. 1692g In accordance with 15 U.S.C. 1692g ( b ), I hereby formally request the following : A full validation of the alleged debt : ( 1 ) The date of first delinquency, ( 2 ) The date of charge-off & lastly ( 3 ) The date of last payment. The complete chain of assignment, including contracts or agreements proving the authority to collect this debt. 


Please provide the above in writing within the time prescribed by law. Until such documentation is produced, you are required to cease all collection activities and to pause all credit reporting in accordance with federal law. If these demands are not met within 30 days of receipt of this letter, I will have no choice but to pursue further legal remedies under FERPA, FCRA, and FDCPA, including but not limited to complaints with the Department of Education, Consumer Financial Protection Bureau, and litigation in federal court.

Company response to consumer: Closed with non-monetary relief