Consumer complaint received 2025-12-08 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: SC

Complaint narrative:
To Whom It May Concern, This correspondence serves as a formal caveat and multi-agency legal dispute, placing all parties XXXX Equifax, XXXX and XXXX XXXX on notice of significant violations of the Fair Credit Reporting Act ( FCRA ), Higher Education Act ( HEA ), Fair and Accurate Credit Transactions Act ( FACTA ), and Identity Theft Protections enacted under federal law.

This letter constitutes my : FCRA 611 dispute FCRA 609 ( a ) ( 1 ) verification request FCRA 623 ( a ) ( 3 ) furnisher dispute Full Method of Verification ( MOV ) demand Identity Theft notice under 15 U.S.C. 1681c-2 HEA compliance challenge regarding federal student loan reporting Notice of Intent to Sue ( NOITS ) for civil liability under 15 U.S.C. 1681n and 1681o All negative data, including the reported late payments, are being disputed as erroneous, unverified, inaccurate, and unlawfully furnished. 
I. METHOD OF VERIFICATION DEMAND ALL THREE CREDIT BUREAUS Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), you are REQUIRED to disclose : The full method of verification used to verify '' the disputed late payments Whether an automated system ( e-OSCAR ) was used The identity, contact information, and credentials of the person who verified the data Exact documents provided to you by the furnisher You are also required to produce : Signed promissory notes Complete payment history Transaction-level data Ledger entries Forbearance/deferral records Any documents proving that I was legally late under HEA Title IV regulations ANY failure to produce this constitutes failure to verify and obligates immediate deletion. 
II. DIRECT 623 DISPUTE XXXX XXXX Under FCRA 623 ( a ) ( 1 ) ( A ), XXXX XXXX is strictly prohibited from furnishing ANY information that is : Inaccurate Incomplete Can not be substantiated with documentary evidence The late payments you furnished are being disputed as factually incorrect. 
Furthermore, your CFPB response ( Case # XXXX ) admits : We are required to furnish true and accurate information. 
Yet you provided no documentary evidence, no payment records, no ledger, no signed acknowledgments, no forbearance documentation, and no HEA-compliant substantiation, despite a legal obligation to do so. 
This is a direct violation of : FCRA 623 ( a ) ( 3 ) 15 U.S.C. 1681s-2 ( b ) HEA Title IV servicing requirements CFPB Regulation V Your continued furnishing constitutes willful non-compliance.

III. HIGHER EDUCATION ACT VIOLATIONS Under the HEA Title IV, Part D, student loan servicers MUST : Maintain accurate servicing records Apply payments correctly Provide borrowers accurate status updates Ensure proper forbearance/deferral processing Your failure to provide HEA-mandated documentation while still furnishing derogatories is unlawful under federal law.

IV. IDENTITY-THEFT AND PROFILE COMPROMISE ELEMENTS At the time these alleged delinquencies appeared, my credit profile was under fraudulent attack, as documented through multiple : Identity-theft disputes Reinserted fraudulent accounts Post-prison identity vulnerabilities This invokes 15 U.S.C. 1681c-2, mandating immediate blocking or removal of unverifiable derogatory data. 
Your failure to apply heightened identity-theft protections is a procedural violation. 
V. LEGAL NOTICE : FAILURE TO REMOVE = WILLFUL NON-COMPLIANCE If you fail to remove all negative XXXX XXXX reporting including the late payments you will be in violation of : FCRA 1681n ( Willful violations ) FCRA 1681o ( Negligent violations ) Furnisher Duties under Regulation V HEA Title IV servicing obligations I am prepared to file : * * CFPB Complaint FTC Identity Theft Report State Attorney General Complaint Civil Claim in Federal District Court * * Damages sought will include : Statutory damages Actual damages Attorneys fees Punitive damages for willful violations

Company response to consumer: Closed with explanation