Consumer complaint received 2025-03-07 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: CA

Complaint narrative:
I am formally reporting that 13 student loans were fraudulently opened in my name through XXXXDepartment of Education without my knowledge or consent. I did not apply for these loans and have never authorized any financial agreements with XXXX or the Department of Education. 

The details of the unauthorized loans are as follows : XXXX. XXXXDEPT OF ED Account ending in XXXX Balance : {$1600.00} Opened : XX/XX/XXXX XXXX. XXXXDEPT OF ED Account ending in XXXX Balance : {$2500.00} Opened : XX/XX/XXXX XXXX. XXXXDEPT OF ED Account ending in XXXX Balance : {$2700.00} Opened : XX/XX/XXXX XXXX. XXXXDEPT OF ED Account ending in XXXX Balance : {$8500.00} Opened : XX/XX/XXXX XXXX. XXXXDEPT OF ED Account ending in XXXX Balance : {$1600.00} Opened : XX/XX/XXXX XXXX. XXXXDEPT OF ED Account ending in XXXX Balance : {$6600.00} Opened : XX/XX/XXXX XXXX. XXXXDEPT OF ED Account ending in XXXX Balance : {$3500.00} Opened : XX/XX/XXXX XXXX. XXXXDEPT OF ED Account ending in XXXX Balance : {$3100.00} Opened : XX/XX/XXXX XXXX. XXXXDEPT OF ED Account ending in XXXX Balance : {$10000.00} Opened : XX/XX/XXXX XXXX. XXXXDEPT OF ED Account ending in XXXX Balance : {$6500.00} Opened : XX/XX/XXXX XXXX. XXXXDEPT OF ED Account ending in XXXX Balance : {$4000.00} Opened : XX/XX/XXXX XXXX. XXXXDEPT OF ED Account ending in XXXX Balance : {$4200.00} Opened : XX/XX/XXXX XXXX. XXXXDEPT OF ED Account ending in XXXX Balance : {$1200.00} Opened : XX/XX/XXXX I have attached the following documents to support my claim : Credit report highlighting these fraudulent accounts FTC Identity Theft Affidavit Copy of my police report Government-issued ID Under the Fair Credit Reporting Act ( FCRA ), I am formally requesting the immediate deletion of these 13 fraudulent student loans from my credit report with all credit bureaus ( XXXX, XXXX, and TransUnion ). Specifically : 15 U.S.C. 1681c-2 ( a ) A consumer reporting agency must block the reporting of any information that the consumer identifies as resulting from identity theft within 4 business days of receiving proof of identity theft ( such as a police report or FTC affidavit ).

15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ) Furnishers of information ( such as XXXX and the Department of Education ) are prohibited from reporting fraudulent accounts once notified of identity theft. Continuing to report these fraudulent loans violates this statute.

15 U.S.C. 1681n and 1681o I reserve my right to seek civil damages for willful or negligent noncompliance with the FCRA, including actual damages, statutory damages up to {$1000.00} per violation, and legal fees.

15 U.S.C. 1681g ( e ) ( 3 ) The agencies involved are required to provide me with any documents, records, or correspondence related to these accounts within 30 days.

Additionally, I am requesting that a security freeze be placed on my credit report under 15 U.S.C. 1681c-1 to prevent any further fraudulent activity.

Failure to comply with these requests will leave me no choice but to escalate this matter by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action.

Thank you for your immediate attention to this matter. Please confirm in writing once the accounts have been removed from my credit report. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief