Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern, This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im unsure why you included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same.

From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Under 15 U.S. Code 6801 - Protection of Nonpublic Personal Information ( a ) Privacy Obligation Policy. It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Did I give your company permission to transfer my information to another company? No. Under 18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses. ( 1 ) In general. Whoever, during and about any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. You have violated my consumer rights. 


Well, theyre not, and from what I understand, its an FCRA Violation, and it allows me to ask for these items to be deleted. So, please delete these accounts due to the inaccuracies that are being reported. 

Original Creditor : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Account Balance : {$3500.00} the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does it include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

These are all inconsistent with Equifax, XXXX XXXX XXXX.

It is evident that the inaccurate information is a mistake on either your part or the reporting creditors part. I am politely asking that you delete it from my profile, and I believe 20 days is more than enough time for this to happen. 

Thanks in advance. 

The information must be deleted from my report as soon as possible. It is inaccurate and misleading and represents a serious error in your reporting. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief