Consumer complaint received 2025-03-07 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/year> Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax Information Services , LLC, This letter serves as a formal demand for full verification, pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). The student loan account ( s ) listed on my credit report contain information that I dispute as inaccurate, incomplete, or unverified.

Under 15 U.S.C. 1681i ( a ), you are legally required to conduct a reasonable reinvestigation and provide me with documentary evidence substantiating this account. If you can not provide the requested documentation, you must delete this account immediately under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

I specifically dispute the following account ( s ) : - Account Number XXXX XXXX XXXX XXXX  Reported Creditor/Furnisher : U S DEPT OF EDXXXX - Disputed Issues : Incorrect assignment date, invalid debt, expired reporting period, potentially fraudulent account, unverified balance of {$6300.00} To comply with federal law, your response must include actual records proving the accuracy and legitimacy of this account, not just automated database confirmations. The burden of proof lies with you, the credit reporting agency, and the information furnisher to demonstrate with clear and convincing evidence that this information is accurate and complete.

MANDATORY DOCUMENTATION REQUIRED FOR VERIFICATION XXXX. XXXX XXXX XXXX XXXX XXXX - A legible copy of the original promissory note with my signature, proving my legal obligation to this debt. 
- Full disclosure documents required under 15 U.S.C. 1692g and the Truth in Lending Act ( TILA ).

- Proof that the reported loan terms match the original signed agreement.

- Evidence that all federal requirements for student loan origination were met under the Higher Education Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Full documentation of all loan transfers, sales, or assignments from origination to present. 
- Legal proof that the current loan owner has standing to collect and report this account. 
- If this loan has been securitized, proof of ownership within the securitization trust. 
- Evidence that all transfers were properly documented in a timely manner with unbroken chain of title. 

XXXX. Servicing Rights & Authority to ReportXXXX XXXX Documents proving that the current loan servicer is legally authorized to collect on this account. 
- Evidence that all servicing transfers were properly disclosed under 12 U.S.C. 2605 ( RESPA ).

- If the servicer is required to be licensed in my state, proof of their licensing compliance. 
- Verification that the servicer has properly registered with the XXXX XXXX XXXX XXXX ( XXXX ) if applicable. 

XXXX. Payment History & Account Status AccuracyXXXX XXXX A full itemized payment history from the inception of the loan to present. 
- Proof that any late payments or delinquencies were correctly applied. 
- Confirmation that no payments have been misapplied, omitted, or inaccurately reported. 
- Evidence explaining any inconsistent status reporting, including any " XXXX '' pattern or similar anomalies in the reporting history. 

XXXX. Interest Calculations & Account Balance BreakdownXXXX XXXX Detailed accounting of all interest charges, principal balance changes, and fees. 
- Verification that interest rates match the terms in the original loan contract. 
- An itemized breakdown of any additional charges, penalties, or collection fees. 
- For federal loans, proof that all interest calculations comply with the regulations set forth by the Department of Education ( XXXX XXXX XXXX XXXX, XXXX ). 

XXXX. FCRA XXXX XXXX XXXX XXXX - XXXX verification from the furnisher confirming that all reported data is accurate, complete, and legally compliant with XXXX XXXX XXXX XXXX ( a ). 
- Proof that this account was not re-aged to illegally extend the reporting period. 
- Confirmation that any derogatory information has not exceeded the 7-year reporting limit under 15 U.S.C. 1681c. 
- Documentation showing the furnisher conducted a reasonable investigation under 15 U.S.C. 1681s-2 ( b ) before responding to this dispute. 

XXXX. Special Status Reporting ( Forbearance, Deferment, Cancellation ) XXXX XXXX Verification that any periods of deferment or forbearance were correctly reported. 
- Proof that loan discharge, forgiveness, or cancellations were accurately updated. 
- Documentation showing income-driven repayment ( IDR ) plan status is reported correctly. 
- Evidence that any XXXX related payment suspensions were properly reported pursuant to the CARES Act and subsequent extensions. 

XXXX. Dispute History & Method of VerificationXXXX - A detailed explanation of the method of verification used to validate this account ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ). 
- Copies of any previous dispute records and the documentation relied upon in those investigations. 
- A clear response indicating whether this investigation is being conducted manually or through an automated dispute system ( e.g., e-OSCAR ). 
- The name, title, and direct contact information of the person ( s ) who conducted the reinvestigation. 

XXXX. Current Reporting StatusXXXX - XXXX demand that during the pendency of this dispute, the account be marked as " disputed by consumer '' per 15 U.S.C. 1681s-2 ( a ) ( 3 ).

- If the account can not be fully verified with all requested documentation, it must be removed entirely from my credit report. 
- Any verification that relies solely on computerized matching systems without human review will be considered a violation of " reasonable investigation '' requirements. 

XXXX XXXX  CERTIFICATION OF ACCURACY I, XXXX XXXX, hereby certify under penalty of perjury pursuant to 28 U.S.C. 1746 that the information I have provided in this dispute is true and accurate to the best of my knowledge, and that this dispute is submitted in good faith based on my reasonable belief that the information reported is inaccurate, incomplete, or can not be verified.

Company response to consumer: Closed with explanation