Consumer complaint received 2025-06-02 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: DC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Email : XXXX Phone : ( XXXX ) XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX Subject : Formal Dispute Strict Demand for Permanent Deletion of Duplicate Student Loan Accounts Due to FCRA Violations This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding multiple inaccurate, inconsistent, and duplicate student loan accounts currently being reported on my credit file. I am not requesting reinvestigation, update, or correction. I am demanding permanent deletion of the following accounts because they are not separate legal obligations and violate multiple sections of federal law. 

All three credit bureaus are reporting student loan accounts from the U.S. Department of Education using different names ( XXXX, XXXX, XXXX ), different formatting, and in some cases listing the same account twice. They all reflect the exact same original debt, opened on XX/XX/XXXX, closed with a {$0.00} balance. 

These are not distinct accounts. They are duplicated, fragmented versions of the same federal student loan and should not be reported more than once. These misrepresent my credit history by inflating the total number of accounts, extending the length of closed or derogatory activity, and artificially lowering my credit score. 

Here are the accounts I am demanding be permanently deleted : TransUnion ( as of XX/XX/XXXX ) : Creditor : DPT ED/XXXX Account # XXXX appears twice Date Opened : XX/XX/XXXX Status : Closed Balance : {$0.00} Equifax ( XXXX of XX/XX/XXXX ) : Creditor : DEPT OF ED / XXXX Account # XXXX listed twice Date Opened : XX/XX/XXXX Status : Closed Balance : {$0.00} Experian ( as of XX/XX/XXXX ) : Creditor : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Status : Closed Balance : {$0.00} These are all clearly the same debt being reported under multiple names and variations. This is a direct violation of : FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy across reports FCRA 1681i ( a ) ( 5 ) ( A ) : Unverifiable or inaccurate items must be permanently deleted FCRA 1681s-2 ( b ) : Furnishers must delete inaccurate, duplicate, or misleading data after a formal dispute If these accounts can not be independently verified as separate legal obligations through original documentation such as signed promissory notes or contracts, they must be removed from all reports immediately. 

I am demanding permanent deletion only not merging, correction, or reinvestigation. 

If this is not resolved within 30 calendar days, I will file formal complaints with the FTC and Attorney Generals Office, and reserve the right to pursue legal damages under : FCRA 1681n : Willful noncompliance FCRA 1681o : Negligent noncompliance Attached to this complaint are : Screenshots of each duplicate account across Experian, Equifax, and TransUnion Government-issued photo ID Proof of address Please confirm permanent deletion and provide updated credit files as required by law

Company response to consumer: Closed with non-monetary relief