Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX, XXXX Equifax, and XXXX  for continued reporting and collection of student loan debt that is now legally void following the XXXX order to abolish the XXXX Department of Education. 

XXXX. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 
XXXX. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Subsidized Loan XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LOAN STATUS Forbearance Repayment Plan Standard Repayment Plan INTEREST RATE 4.99 % TOTAL BALANCE {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LOAN STATUS Forbearance Repayment Plan Standard Repayment Plan INTEREST RATE 4.99 % TOTAL BALANCE {$1000.00} Subsidized Loan New XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LOAN STATUS Forbearance Repayment Plan Standard Repayment Plan INTEREST RATE 2.75 % TOTAL BALANCE {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LOAN STATUS Forbearance Repayment Plan Standard Repayment Plan INTEREST RATE 2.75 % TOTAL BALANCE {$7300.00} Subsidized Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LOAN STATUS Forbearance Repayment Plan Standard Repayment Plan INTEREST RATE 4.53 % TOTAL BALANCE {$2400.00} Subsidized Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LOAN STATUS Forbearance Repayment Plan Standard Repayment Plan INTEREST RATE 4.45 % TOTAL BALANCE {$4800.00} Subsidized Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LOAN STATUS Forbearance Repayment Plan Standard Repayment Plan INTEREST RATE 3.76 % TOTAL BALANCE {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX LOAN STATUS Forbearance Repayment Plan Standard Repayment Plan INTEREST RATE 3.86 % TOTAL BALANCE {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX LOAN STATUS Forbearance Repayment Plan Standard Repayment Plan INTEREST RATE 3.86 % TOTAL BALANCE {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX LOAN STATUS Forbearance Repayment Plan Standard Repayment Plan INTEREST RATE 3.86 % TOTAL BALANCE {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX LOAN STATUS Forbearance Repayment Plan Standard Repayment Plan INTEREST RATE 3.86 % TOTAL BALANCE {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX LOAN DATE XX/XX/XXXX LOAN STATUS Paid-in-Full Repayment Plan Standard Repayment Plan INTEREST RATE 5.60 % TOTAL BALANCE {$0.00}

Company response to consumer: Closed with non-monetary relief