Consumer complaint received 2025-04-12 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: WI

Complaint narrative:
I am demanding the immediate deletion of three XXXX loan accounts being fraudulently reported by the U.S. Department of Education and XXXX under the names : US DEPT OF ED, DEPTEDXXXX, and DP OF EDUC. These tradelines are tied to XXXX XXXXXXXX XXXX ( XXXX ), a school that was officially investigated and SHUT DOWN by the Department of Education for illegal practices, including falsifying FAFSA access, preying on XXXXXXXX XXXX, enrolling people without high school diplomas, and misusing federal funds. 

I never received any XXXX loan disbursement, no school equipment, and left within weeks due to their deceptive and aggressive behavior. The school was a scam from the start. Still, the Dept. of Ed and XXXX are reporting three different accounts for one fraudulent loan, with conflicting balances ( {$540.00}, {$520.00}, {$0.00} ), statuses ( Open, Transferred, Derogatory ), and even delinquency histories for loans I NEVER TOOK. 

Worse, my personal financial and XXXX aid data was exposed in a federal XXXX loan data breach by an unauthorized third party. That alone is a gross FERPA violation ( 20 U.S.C. 1232g ) and should make this loan ineligible for repayment or reporting. I submitted certified letters XX/XX/year> demanding validation and deletion. XXXX never responded within the legal 30-day window required under the FDCPA 1692g ( b ) and FCRA 1681i ( a ). The Department of Ed responded but ignored every legal violation I cited. 

Their reporting violates : FCRA 1681e ( b ) Failing to report accurate, complete information FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishing false, outdated, or duplicate data FCRA 1681c ( a ) ( 4 ) Reporting obsolete accounts FCRA 1681i ( a ) Failure to investigate or correct invalid entries FDCPA 1692e False and misleading credit reporting FERPA 1232g Failing to protect my confidential XXXX  records This has destroyed my credit, blocked me from getting housing, financing, and has trashed my name and future. The fact that credit bureaus like XXXX, Equifax, and XXXX are still furnishing this fraudulent data after being SUED by the CFPB for sham investigations and not removing inaccuracies is beyond negligent. 

This is not a misunderstanding. This is FRAUD, data abuse, and an attempt to ruin my life based on a loan that should have never existed. The evidence is clear. I am not requesting an investigation. I am demanding the PERMANENT DELETION of all three tradelines and a full discharge of any associated debt. I have also submitted a formal FTC Identity Theft Report detailing this fraud, including the misuse of my XXXX aid data and unauthorized tradeline reporting. This report has been filed and acknowledged by the FTC. My case and complaint number are available upon request. The identity theft component further reinforces that these accounts are fraudulent and must be permanently deleted, not investigated or updated.

Company response to consumer: Closed with non-monetary relief