Consumer complaint received 2025-01-25 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: NC

Complaint narrative:
CC : Consumer Financial Protection Bureau. Federal Trade Commission. Consumer Affairs XXXX. XXXX Department XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
Re : Instant Removal of XXXX Student Loans. Borrower Defense Case Number XXXX I demand the immediate removal of the federal student loan accounts associated with XXXX XXXX  ( now known as the XXXX XXXX XXXX XXXX XXXX ) from my credit report. On XX/XX/XXXX, I received official confirmation from the U.S. Department of Education ( ED ) that these loans have been fully XXXX under Borrower Defense Case Number XXXX. The discharge was granted due to EDs finding of pervasive and widespread substantial misrepresentations made by XXXX University, which violated state consumer protection laws and caused harm to borrowers. The specific accounts in question include loans issued for attendance at XXXX University between XX/XX/XXXX, and XX/XX/XXXX. Per the EDs letter, the XXXX loans are no longer my responsibility, will not require any further payments, and are to be removed from credit reporting. 
The student loans listed below have been approved for discharge ; however, they still reflect significant amounts of added interest and contain numerous inaccuracies. This is unacceptable. I demand the immediate and permanent removal of all XXXX student loans from my records. Failure to address this matter promptly will leave me with no choice but to escalate the issue through legal and regulatory channels. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., credit reporting agencies are required to ensure the accuracy and completeness of information reported on consumer credit reports. The loans listed on my reports that are XXXX are : XXXX. Department of Education/XXXX XXXX XXXX XXXX : Opened : XX/XX/XXXX : XXXX XXXX : {$6100.00} : Balance as of XX/XX/XXXX : {$10000.00} XXXX. Department of EducationXXXX XXXX XXXX XXXX : Opened : XX/XX/XXXX : XXXX XXXX : {$19000.00} : Balance as of XX/XX/XXXX : {$24000.00} XXXX. Department XXXX XXXX XXXX XXXX XXXX : Opened : XX/XX/XXXX : XXXX XXXX : {$31000.00} : Balance as of XX/XX/XXXX : {$45000.00} XXXX. Department of EducationXXXX XXXX XXXX XXXX : Opened : XX/XX/XXXX : XXXX XXXX : {$24000.00} : Balance as of XX/XX/XXXX : {$32000.00} XXXX. Department of Education/Nelnet XXXX XXXX XXXX : Opened : XX/XX/XXXX : XXXX XXXX : {$30000.00} : Balance as of XX/XX/XXXX : {$50000.00} XXXX. Department of EducationXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX : XXXX XXXX : {$24000.00} : Balance as of XX/XX/XXXX : {$30000.00} XXXX. Department of EducationXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX : XXXX XXXX : {$8500.00} : Balance as of XX/XX/XXXX : {$8500.00} XXXX. Department of EducationXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX : XXXX XXXX : {$12000.00} : Balance as of XX/XX/XXXX : {$20000.00} XXXX. Department of EducationXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX : {$28000.00} : Balance as of XX/XX/XXXX : {$40000.00} XXXX. Department of Education/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX : XXXX XXXX : {$20000.00} : Balance as of XX/XX/XXXX : {$24000.00} XXXX. Department of Education/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX : XXXX XXXX : {$8500.00} : Balance as of XX/XX/XXXX : {$8500.00} XXXX. Department XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX : XXXX XXXX : {$8800.00} : Balance as of XX/XX/XXXX : {$14000.00} XXXX. Department of EducationXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX : {$15000.00} : Balance as of XX/XX/XXXX : {$13000.00} XXXX. Department XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX : XXXX XXXX : {$13000.00} : Balance as of XX/XX/XXXX : {$15000.00} XXXX. Department XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX : XXXX XXXX : {$16000.00} : Balance as of XX/XX/XXXX : {$28000.00} XXXX. Department of EducationXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX : XXXX XXXX : {$50000.00} : Balance as of XX/XX/XXXX : {$31000.00} The continued reporting of these XXXX loans as outstanding debts is a direct violation of this statute. Additionally, under the FCRA, you are obligated to promptly investigate disputed information and correct or delete inaccurate, data. The U.S. Department of Educations action to discharge these loans further call attention to their invalidity. Notably, in California v. XXXXXXXX XXXX  XXXX, a case brought by the California Attorney General, the court found that XXXX engaged in deceptive practices, including misrepresentations regarding tuition, financial aid, and career outcomes. Similar findings were cited in the EDs decision, indicating the fraudulent nature of the loans in question.

Company response to consumer: Closed with non-monetary relief