Consumer complaint received 2025-07-24 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: MA

Complaint narrative:
I am writing to urgently request a full investigation and immediate removal of a long-standing student loan account that has caused me significant financial and emotional hardship, and which I believe is being reported in a manner that violates my consumer rights under federal law. 

Account Information : Creditor Name : DEPT OF EDUCATIONXXXX Account Number : XXXX For years, this student loan has appeared on my credit report in a way that misrepresents my current financial status, inaccurately reflects delinquencies, and continues to damage my credit score. Despite attempts to seek relief, assistance, or updated reporting, this account has remained a negative and oppressive burden, limiting my access to housing, employment, and essential credit. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., information included in a consumer credit report must be accurate, complete, and not misleading. Any continued reporting of outdated, incorrect, or disproportionately damaging informationespecially for federally backed student loansis a violation of this law. I am formally requesting an investigation under FCRA 611, which mandates that inaccurate or unverifiable information be promptly deleted or corrected.

In addition, I believe my rights under the Higher Education Act ( HEA ) and applicable hardship provisions have not been respected. The account has been a barrier to my financial recovery despite my efforts to resolve the situation. I have faced years of economic struggle directly linked to this student loan debt, which has disproportionately impacted my livelihood and future stability. 

I also believe the continued reporting of this account in its current form may violate protections under Title VI of the Civil Rights Act of 1964, if this has resulted in discriminatory or disparate impact due to socioeconomic status. My personal information and financial hardship have not been given the fair and compassionate review warranted by both federal student loan policy and consumer protection laws. 

I am formally requesting that this account be permanently removed from all three credit reporting agencies ( Equifax, Experian, and XXXX ) due to the following legal reasons : 1. FCRA 607 ( b ) : Furnishers must ensure maximum accuracy.

2. FCRA 611 : Consumers have the right to dispute and request deletion of unverifiable or outdated negative items.

3. FCRA 605 ( a ) : Certain negative accounts must not be reported beyond seven years.

4. FCRA 616617 : Legal liability for willful or negligent noncompliance.

5. HEA Provisions : Designed to support, not punish, borrowers facing long-term hardship.

6. GLBA and Privacy Protections : My personal and private financial data should not be exposed unnecessarily.

Please consider this letter an official dispute and a request for full deletion of this account from my credit report. I am willing to provide supporting documents if needed, but respectfully ask for immediate intervention and resolution by your office.

Thank you for your urgent attention to this matter. I trust the CFPB will take swift and fair action to ensure my rights are upheld and my future is no longer dictated by an outdated and damaging account.

Company response to consumer: Closed with explanation