Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Complaint Summary : I am filing this formal complaint against XXXX XXXX for multiple violations of federal consumer protection and criminal laws, including but not limited to : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, 1681i, 1681s-2 Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801, 6802 ( b ) Aggravated Identity Theft 18 U.S.C. 1028A Mail Fraud 18 U.S.C. 1341 & Wire Fraud 18 U.S.C. 1343 XXXX has failed to verify the accuracy and legality of the student loan accounts being reported to XXXX, Equifax, and XXXX, despite my disputes. The reported accounts are inaccurate, unverifiable, and do not meet the statutory requirements for consumer reporting. 



I have repeatedly disputed these accounts directly with XXXX and the credit bureaus, yet they remain unlawfully reported. As a result, XXXX is in clear violation of my rights under multiple federal statutes governing credit reporting, debt validation, consumer privacy, and fraud prevention. 

Violations Committed by XXXX : 1. Failure to Provide Proper Validation ( 15 U.S.C. 1692g FDCPA Violation ) Under 15 U.S.C. 1692g, I requested full validation of this alleged debt, but XXXX failed to provide any proof that I owe it, nor did they provide a signed contract or chain of title proving their legal right to collect or report this debt. 

2. Failure to Provide Evidence of a Permissible Purpose ( 15 U.S.C. 1681b FCRA Violation ) Under the FCRA, a company must have a legally permissible purpose to report information to credit bureaus. If XXXX can not provide a legally binding contract proving my agreement to this debt, they are reporting illegally. 

3. Failure to Reinvestigate and Correct Errors ( 15 U.S.C. 1681i FCRA Violation ) I formally disputed these accounts, and XXXX failed to conduct a reasonable reinvestigation within 30 days as required by law. This is a direct violation of 15 U.S.C. 1681i.

4. Unlawful and Inaccurate Reporting ( 15 U.S.C. 1681s-2 FCRA Violation ) XXXX is knowingly furnishing inaccurate and unverifiable information, which violates their duty as a data furnisher. 

5. Failure to Protect My Nonpublic Personal Information ( 15 U.S.C. 6801 & 15 U.S.C. 6802 ( b ) GLBA Violation ) Under 15 U.S.C. 6801, financial institutions must protect consumers personal financial information and prevent unauthorized sharing with third parties ( credit bureaus ) without proper consent. 

15 U.S.C. 6802 ( b ) states that my financial information can not be disclosed without my express permission unless legally required. XXXX has no valid authorization to report this debt. 

6. Aggravated Identity Theft ( 18 U.S.C. 1028A Criminal Violation ) If XXXX can not prove that I legally authorized these loans, they are committing identity theft by misrepresenting my financial records, which is a criminal offense punishable under 18 U.S.C. 1028A.

7. Mail Fraud ( 18 U.S.C. 1341 ) & Wire Fraud ( 18 U.S.C. 1343 ) Criminal Violations If XXXX knowingly reported false information to credit bureaus and continued to furnish this data electronically ( wire fraud ) or via mail ( mail fraud ), they are in violation of federal fraud statutes. 

Fraudulent credit reporting can trigger federal investigations and criminal penalties, and I am prepared to escalate this matter if my complaint is not resolved. 

Requested Resolution : Due to these clear violations of federal consumer protection and criminal laws, I am demanding : 1. The immediate and permanent deletion of all disputed student loan accounts from my credit reports within 10 days.

2. A formal written statement from XXXX confirming the deletion. 

3. Monetary damages for willful non-compliance, as permitted under 15 U.S.C. 1681n, which allows for statutory damages of up to {$1000.00} per violation. 

4. A cease-and-desist order preventing XXXX from illegally furnishing any unverifiable data on my credit reports in the future. 



If my demands are not met, I will take the following legal actions : File a federal lawsuit under 15 U.S.C. 1681n, 1681s-2, 1692g, and 6802 ( b ), seeking actual and punitive damages.

Report EdFinancial to the Federal Trade Commission ( FTC ) and my state Attorney General for consumer fraud.

Request a full federal investigation into EdFinancials violations of FCRA, FDCPA, GLBA, and criminal fraud statutes. 



Failure to comply with my demands will result in further legal action. I expect a full resolution within 10 days of this complaint submission. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief