Consumer complaint received 2025-04-03 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Formal Dispute of Student Loan Reporting Request for Deletion and Forgiveness To Whom It May Concern, This letter serves as a formal dispute pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692, regarding the student loan ( s ) currently reported on my credit profile.

1. Dispute of Accuracy and Legitimacy I dispute the accuracy, completeness, and verifiability of the student loan accounts reported under my credit profile. As required by 15 U.S. Code 1681i, you are obligated to conduct a thorough investigation and provide written verification from the data furnisher. 

I demand a complete chain of custody and original source documentation for the alleged debt, including : The original signed promissory note or application bearing my wet signature. 

Documentation showing how this debt was legally transferred or assigned. 

A record of all transactions, payments, and balances associated with this loan. 

Identification of the current and original creditor or servicer. 

The legal basis for reporting this debt to the credit bureaus. 

If this information can not be provided, the account must be removed immediately from my credit report under 15 U.S. Code 1681e ( b ) due to lack of accuracy and verifiability.

2. Clarification Regarding the SBA I would also like to note that the U.S. Small Business Administration ( SBA ) is a federal agency responsible for supporting small businesses and is not affiliated with the U.S. Department of Education. If there are any connections or misclassifications between my alleged student loans and SBA-related programs, I demand full clarification and documentation. Any erroneous reporting involving the SBA must be corrected or deleted in compliance with federal law. 

XXXX. Request for Loan Forgiveness & Removal I am formally requesting that my student loan account ( s ) be considered for forgiveness under any applicable federal or hardship-based relief program. I am currently experiencing financial hardship and respectfully request cancellation and deletion from my credit report as part of any forgiveness or discharge action.

4. Demand for Immediate Action If you are unable to verify the legitimacy of these student loans with the proper legal documentation, or if they are found to be unverifiable or inaccurately reported, you are required under federal law to remove them immediately from my credit file. 

I expect a full investigation and written response within 30 days, as required by law. Please mail all findings and outcomes to my address listed above. 

U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Payment Deferred XXXX Student Loans Payment Deferred Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation