Consumer complaint received 2024-03-26 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: TX

Complaint narrative:
In reference to XXXX XXXX Account Number : XXXX XXXX XXXX I am writing again to formally request the immediate removal of my personal information from XXXX XXXX and XXXX XXXX as I never agreed to this process. Also, I am writing to dispute certain information in my credit file that I believe is inaccurate. In compliance with the Fair Credit Reporting Act, I kindly request your assistance in investigating and, if applicable, removing this inaccurate information from my credit report. 
Upon reviewing my credit report, I have identified multiple innacurrate and conflicting account entries that I do not recognize and therefore dispute. I am concerned about the accuracy of these entries, as they do not reflect my credit history accurately. 
Furthermore, I again do not grant permission for my information to be associated with the following entities : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX This association is fraudulent and in violation of applicable laws. 
The Privacy Act of 1974, as amended, specifically under 5 U.S.C. 552a, establishes fair information practices governing the collection, maintenance, use, and dissemination of information about individuals maintained in systems of records by federal agencies. A system of records refers to a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. I did not authorize this. As per federal law, I hereby request that you immediately remove all my personal information from your databases and cease any further use or sharing of such information. Failure to comply with this request may result in legal action under the provisions of the Privacy Act and other relevant statutes. 
Furthermore, I refer to the Truth in Lending Act ( TILA ) Regulation Z, which specifically applies to private loans. TILA requires lenders to disclose key loan terms and costs to borrowers, including annual percentage rates ( APRs ), fees, and repayment terms. It helps borrowers understand the terms of their loans and compare different loan options. 
I invoked the Higher Education Opportunity Act ( HEOA ) - USC Title 20, Chapter 34, Sections 1001 et seq. HEOA includes provisions related to consumer information and transparency in higher education. It requires colleges and universities to disclose information about tuition, fees, financial aid options, accreditation status, academic programs, and outcomes to help students make informed decisions about their education. Please provide proof of compliance with HEOA regarding the information associated with my account. 

I also invoked the Family Educational Rights and Privacy Act ( FERPA ) - USC Title 20, Chapter 31, Sections 1232g and 1232h, which protects the privacy of student education records and regulates their disclosure by educational institutions. This law grants parents and eligible students certain rights regarding the inspection, amendment, and control of their educational records. I have not granted consent for the use of my information and request an immediate halt to any such actions. 
Please see the highlighted portion of incorrectly reported data, even though it should not have been posted, again violating federal law. This inaccurate reporting has been going on for over a year. 


see attachments

Company response to consumer: Closed with non-monetary relief