Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint regarding several Dept. of EducationXXXX XXXX XXXX that originated from my attendance at XXXX XXXX XXXX XXXX University of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ) all institutions with documented histories of deceptive practices, government settlements, and legal actions impacting former students federal loans.

The loans currently reporting are : {$2100.00} Dept. of EducationXXXX {$6400.00} Dept. of EducationXXXX {$3100.00} Dept. of EducationXXXX {$730.00} Dept. of EducationXXXX {$63000.00} Dept. of Education/XXXX These loans were previously serviced under XXXX, refinanced around XXXX, and later transferred to XXXX in XXXX. Despite school closures and misconduct findings, the accounts remain open with balances, damaging my credit and preventing access to fair financial opportunities. 



XXXX XXXX XXXX ( Closed XX/XX/XXXX ) XXXX XXXX XXXX permanently ceased operations on XX/XX/XXXX, after years of declining enrollment, regulatory investigations, and settlements with the U.S. Department of Justice and several state Attorneys General for deceptive recruitment, inflated job placement claims, and mismanagement of federal student aid. Many former students were deemed eligible for Closed School Discharge and related loan forgiveness programs. 



University XXXX XXXXx ( FTC False Advertising Settlement, XXXX ) During my attendance, the University XXXX XXXX ran its Lets Get to Work campaign ( XXXX ), which the Federal Trade Commission found to be deceptive, falsely suggesting exclusive hiring partnerships with major corporations like XXXX and XXXX. In XXXX, the FTC reached a {$190.00} XXXX settlement with the University and its parent company for misleading students about job prospects advertising that directly influenced my decision to enroll and take out federal loans. 



XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ) I also attended XXXX XXXX XXXX XXXX XXXX XXXX  which is currently the subject of a federal whistleblower lawsuit alleging that the university inflated its educational content to obtain excess federal financial aid. 

In XX/XX/XXXX, a federal district court denied XXXX motion to dismiss the case, allowing the lawsuit to move forward. In XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX dismissed XXXX appeal, upholding the lower courts decision. 

Additionally, XXXX parent company, XXXX XXXX XXXX ( now XXXX XXXX XXXX ), agreed to pay {$30.00} XXXX in XXXX to the Federal Trade Commission ( FTC ) to settle charges that it used deceptive lead generators to recruit students into its programs under false pretenses. These findings demonstrate a repeated pattern of misleading marketing and financial aid practices across the institutions connected to my loans. 



Relief Requested Given the clear evidence of institutional misconduct, false advertising, and school closures, I believe my loans qualify for Borrower Defense to Repayment and/or Closed School Discharge under the Higher Education Act. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) require XXXX and the U.S. Department of Education to : 1. Conduct a comprehensive review of my Borrower Defense and Closed School Discharge eligibility across all institutions listed ; 2. Provide written confirmation detailing whether each loan is valid, dischargeable, or was improperly transferred ; 3. Remove or correct any inaccurately reported XXXX accounts on my credit reports ; and 4. Issue a formal response documenting the outcome and corrective actions taken.

Company response to consumer: Closed with non-monetary relief