Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, This is a formal dispute of several student loan accounts being reported by Dept of EdXXXX on my credit file. 
According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION, EQUIFAX, EXPERIAN VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) Requirements relating to informatio
n contained in consumer reports VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification VIOLATION COUNT 5 [ 15 U.S.C. 1681b ] 604. Permissible purposes of consumer reports VIOLATION COUNT 6 [ 15 U.S. Code 1681q ] - Obtaining information under false pretenses VIOLATION COUNT 7 [ 18 U.S. Code 1028A ] - Aggravated identity theft VIOLATION COUNT 8 [ 15 U.S. Code 1681c2 ] Block of information resulting from identity theft The following accounts are being challenged due to their unverifiable nature and inaccurate, damaging effect on my credit profile : DPT EDXXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX ( unverifiable ) DPT EDXXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX ( unverifiable ) DPT EDXXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX  ( unverifiable ) DPT EDXXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX  ( unverifiable ) Creditor : U.S. Dept. of Ed / XXXX Account Number : XXXX Creditor : U.S. Dept. of Ed / XXXX Account Number : XXXX Creditor : U.S. Dept. of Ed / XXXX Account Number : XXXX Creditor : U.S. Dept. of Ed / XXXX Account Number : XXXX Creditor : U.S. Dept. of Ed / XXXX Account Number : XXXX [ Include all loan account numbers as shown on report ] Reasons for Dispute : Legally Unverifiable : Despite prior requests, the furnisher has failed to provide contractual validation, including : Original signed promissory notes Disbursement records Full payment history Deferment approval documents As per FCRA 611, any data not substantiated by documentary evidence must be deleted immediately. 

Misreported & Damaging : These accounts are actively : Inflating my reported debt, harming my credit-to-debt ratio Contributing no positive payment history, rendering their presence unjustifiable Failing to improve my score, which violates the credit reporting purpose of full-file reporting If the reporting organization can not prove a net benefit to my credit profile or justify the inclusion of these accounts under accuracy and fairness standards of the FCRA, then continued reporting serves no permissible purpose and is considered prejudicial and inaccurate. 

Unverifiable Debt : Despite prior disputes, neither the furnisher nor your bureau has produced : Signed original loan agreements Payment history or disbursement verification Documentation validating deferment or accuracy of the data Under FCRA 611 and 15 U.S.C. 1681s-2, any account that can not be fully substantiated must be deleted immediately. 

Materially Misreported : These loans report inflated balances and deferment statuses that : Harm my credit-to-debt ratio Do not contribute any positive payment history Provide no verifiable benefit to my credit score % WARNING : CREDIT SCORE RETALIATION PROHIBITED My current credit score is XXXX, and it has been earned through years of prudent financial behavior. There is no legal basis to allow my score to fall due to this dispute process. Any derogatory shift in my credit score or profile during or after this dispute especially if related to these unverifiable student loans will be considered willful noncompliance and retaliation under FCRA 616.

-Score Manipulation Notice My current credit score is XXXX, and under no circumstances should it fall as a result of this dispute. Any adverse effect on my credit score or file will be viewed as retaliation and a willful violation of the FCRA, triggering statutory and actual damages under FCRA 616 and 617. 

* Prior Investigation No Response Received As a side note, I previously initiated a dispute regarding these same accounts over 30 days ago, and to date, I have received no written response or verification documentation from the reporting student loan servicer. This is a direct violation of FCRA 611 ( a ) ( 1 ) ( A ), which mandates resolution and notice within 30 days. This delay and inaction further confirm the lack of verifiability of these accounts.

Company response to consumer: Closed with explanation