Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against XXXX. of XXXX for failure to provide adequate validation and for continuing to report potentially inaccurate and unverified student loan information to the consumer reporting agencies ( Experian, TransUnion, and Equifax ) XXXX without providing the required documentation or evidence, in violation of the Fair Credit Reporting Act ( FCRA ) and possibly the Fair Debt Collection Practices Act ( FDCPA ). 

Accounts in Question : XXXX. of XXXX Account XXXX : XXXX * * * * XXXX. of XXXX Account Number : XXXX * * * * These accounts were previously disputed. However, they were marked as verified without any supporting documentation provided to me as the consumer. 
Under 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681s-2 ( a ), you are required to investigate my dispute and ensure that any information reported is complete, accurate, and verifiable. Since you have failed to comply properly in the first round, I now demand the following documentation for both accounts listed above : 1. The original signed Master Promissory Note ( MPN ) bearing my wet signature.

2. A full and complete payment history, including principal, interest, fees, and any deferments or forbearances.

3. The full chain of assignment, identifying all servicers and creditors who have ever owned or managed this loan.

4. A detailed accounting and breakdown of the alleged debt.

5. Proof of my authorization to be held liable for this debt.

6. Proof that you or any associated entity has legal authority to furnish this data to the credit bureaus.

7. A full forbearance and deferment ledger, detailing exact dates and types.

NOTICE OF IMPACT NEGATIVE EFFECT ON CREDIT PROFILE The presence of the disputed student loan accounts Dept. of XXXX Account # XXXX * * * * and XXXX * * * * has had a significant and adverse impact on my creditworthiness in the following ways : 1. Lowered Credit Score The accounts are currently being reported with negative information ( such as delinquencies, forbearance status, or past due amounts ), which has decreased my FICO and VantageScore credit scores. Payment history alone accounts for 35 % of my score, and the appearance of derogatory or unresolved student loan entries skews my credit profile to lenders.

2. Increased Debt-to-Income Ratio ( DTI ) The outstanding balance reported on these loans inflates my total debt, which impacts my debt-to-income ratio. A high DTI not only lowers my credit score but also makes it harder to be approved for new credit lines, auto loans, mortgages, or even rental applications.

3. Adverse Account Age Reporting These loans may be reported as recently delinquent, in forbearance, or deferment, and that status impacts the average age of my credit, which negatively affects 15 % of my overall score.

4. Negative Public Perception by Lenders Lenders and creditors reviewing my report see these unresolved student loan accounts and may infer credit mismanagement, financial instability, or default risk, which leads to denials or higher interest rates on credit cards, mortgages, personal loans, and even insurance.

5. Limits on Employment and Housing Opportunities Many employers and landlords conduct credit checks as part of background screenings. The presence of negatively reported student loan accounts could contribute to employment rejections or denials of rental housing applications, especially in roles involving financial responsibility or trust.

6. Potential Duplication and Confusion If the same account is being reported multiple times under different identifiers or servicers ( as appears to be the case here ), it falsely inflates my total liabilities and creates inaccurate perceptions of multiple defaults, which further damages my credit profile.

7. False or Incomplete Data Obstructs Rehabilitation Because the data is being reported without full validation or required documentation such as the original signed promissory note, complete payment and forbearance history, or legal assignment trail I can not effectively challenge, rehabilitate, or resolve the debt. This denies me due process under the FCRA and FDCPA.

If this documentation can not be provided in full, then per FCRA 1681i ( a ) ( 5 ) and 1681s-2 ( b ), you are legally obligated to delete this account from all consumer reporting agencies ( Equifax, TransUnion, Experian ).

Furthermore, if this debt is being collected or serviced by a third party, this dispute also invokes my rights under 15 U.S.C. 1692g ( FDCPA ), which requires validation of the debt within 30 days of notice. If any part of this debt was transferred or reassigned, I also demand all documents pertaining to that transfer.

Please be advised that furnishing inaccurate or unverifiable information is a direct violation of the FCRA and FDCPA, and I am prepared to escalate this matter by filing complaints with the Federal Trade Commission ( FTC ), and my State Attorney General, if necessary.

In accordance with the FCRA, if you can not or will not provide the legally required validation, you must remove the accounts from my credit report immediately and send me written confirmation of the deletion. 

I demand that you complete your investigation within 30 days, as required by federal law. Please send all correspondence to my address

Company response to consumer: Closed with non-monetary relief