Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against * * XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX  and the XXXX XXXX Big Three Credit Bureaus ( Experian, Equifax, TransUnion ) XXXX XXXX  for the following violations regarding alleged student loan debt XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX {$30000.00} * * ) : # # # * * XXXX. XXXX Failure to Validate Debt ( FDCPA Violations ) XXXX XXXX XXXXXXXX has XXXX XXXX failed to provide legally required validation XXXX XXXX  of this debt under the XXXX XXXX Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) XXXX XXXX. Specifically, they have not furnished : - The XXXX XXXX original signed Master Promissory Note ( MPN ) XXXX XXXX with my XXXX XXXX wet-ink signature XXXX XXXX ( required under XXXX XXXX TILA 15 U.S.C. 1635 XXXX XXXX  ). 
XXXX XXXX XXXX Chain of custody/assignment agreements XXXX XXXX proving XXXX  legal standing to collect ( violates XXXX XXXX FDCPA 1692e ( 8 ) XXXX XXXX XXXX 
- A XXXX XXXX complete, itemized breakdown XXXX XXXX of all charges ( principal, interest, fees ). 
- XXXX XXXX Written authorization XXXX XXXX under XXXX XXXX FERPA ( 20 U.S.C. 1232g ) XXXX XXXX  to access my education records. 

XXXX XXXX Demand : XXXX XXXX XXXXXXXX must XXXX XXXX immediately cease all collection activities XXXX XXXX XXXX XXXX close the account XXXX XXXX and XXXX XXXX  provide written confirmation XXXX XXXX that the debt is unenforceable due to non-validation. 

XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureaus Illegal Reporting ( FCRA Violations ) XXXX XXXX  Despite XXXX failure to validate, XXXX XXXX Experian, Equifax XXXX and TransUnion XXXX XXXX continue reporting this XXXX XXXX inaccurate, unverified account XXXX XXXX, violating XXXX XXXX XXXX XXXX FCRA 1681e ( b ) XXXX XXXX  ( furnishing inaccurate information ). 
XXXX XXXX XXXX FCRA 1681i XXXX XXXX ( failure to properly investigate disputes ). 
XXXX XXXX XXXX FDCPA 1692e ( 8 ) XXXX XXXX ( reporting disputed debt without notation ). 

XXXX XXXX Demand XXXX XXXX XXXX The credit bureaus must XXXX XXXX delete this account immediately XXXX XXXX and XXXX XXXX provide corrected credit reports XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX  3. Applicable Laws & Penalties XXXX XXXX XXXX XXXX XXXX FDCPA 1692k XXXX XXXX XXXX Up to XXXX XXXX  {$1000.00} per violation XXXX XXXX  + attorney fees. 
XXXX XXXX XXXX  FCRA 1681n XXXX XXXX  : Up to * * {$3500.00} per willful violation XXXX XXXX XXXX XXXX  CFPB Enforcement XXXX XXXX  : Penalties for XXXX XXXX  unfair, deceptive practices XXXX XXXX ( 12 U.S.C. 5531 ). 

XXXX XXXX XXXX XXXX XXXX 4. Demand for Immediate Action XXXX XXXX  I request the CFPB : 1. XXXX XXXX Investigate MOHELAs unlawful collection attempts XXXX XXXX 
2. XXXX XXXX Force XXXX to validate or terminate the debt XXXX XXXX 
3. XXXX XXXX  Require credit bureaus to delete the account XXXX XXXX 
4. XXXX XXXX Ensure XXXX ceases all reporting and collections XXXX XXXX 


XXXX XXXX Deadline : XXXX XXXX I expect resolution within XXXX XXXX  30 days XXXX XXXX or will escalate to the XXXX XXXX FTC, State AG, and legal counsel XXXX XXXX

Company response to consumer: Closed with explanation