Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To : Equifax XXXX. XXXX XXXX XXXX, GA XXXX RE : Dispute of Unverified Student Loan Accounts Immediate Deletion Requested To Whom It May Concern, This letter is a formal dispute submitted in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning the reporting of student loan accounts associated with [ Insert Loan Servicer Name or Account Number ( s ), e.g., XXXX, XXXX  XXXX, etc. ] on my Equifax credit file. 

1. ISSUE : Lack of Verification of a Signed Master Promissory Note ( MPN ) Relevant Law : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a credit reporting agency must conduct a reasonable reinvestigation if a consumer disputes the completeness or accuracy of any item in their file. Additionally, under 15 U.S.C. 1681e ( b ), the CRA must ensure maximum possible accuracy of the information it includes.

Demand : I am demanding immediate deletion of the referenced student loan account ( s ) from my Experian credit file unless the data furnisher can provide the original, wet-ink signed Master Promissory Note ( MPN ) establishing a valid, enforceable obligation in my name. Electronic reproduction or summary data is not sufficient under federal evidentiary standards, particularly when the debt is disputed. The burden of proof lies with the furnisher. If the original contract does not exist, the tradeline must be removed.

2. ISSUE : Failure to Verify Current Status Forbearance or Administrative Hold Relevant Law : Per 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to investigate disputed information and correct or delete any data found to be inaccurate or unverifiable. If a loan is in administrative forbearance, deferment, or a non-repayment status due to federal policy or executive order, such status must be clearly and accurately reflected in the reporting. Failure to do so constitutes willful misreporting and inaccurate furnishing of information.

Demand : Please verify whether this account is presently subject to administrative forbearance or any federal hold. If it is, it can not legally be reported as delinquent or in default. If this can not be fully verified and proven by the data furnisher, the account must be removed immediately for failure to meet accuracy and verification standards outlined by the FCRA.

3. ISSUE : Metro 2 and CDIA Compliance Failure Relevant Law : The Consumer Data Industry Association ( CDIA ) Metro 2 Format Guidelines, which Experian has adopted for credit furnishing, require that all tradelines be accurate, complete, and up-to-date. Reporting disputed, unverifiable, or administratively frozen debts violates these guidelines.

Demand : You are required to remove any entry that does not conform with Metro 2 and CDIA standards. Student loans that are not contractually verified or are impacted by legislative changes ( such as federal repayment pauses or executive actions ) must not be reported as adverse. If you can not validate this account according to those standards, it must be removed.

Failure to Comply Will Result in Further Action This is a legal dispute under the FCRA. Should you fail to respond within 30 days with sufficient documentation, I will escalate the matter with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

Summary of Accounts to be Investigated and Deleted : Aidvantage / Account Number Ending in 9489-1 Aidvantage / Account Number Ending in 9489-2 Enclosures : Copy of Photo ID Proof of Address ( Utility Bill or Bank Statement ) Copy of Credit Report Highlighting the Student Loan Accounts Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation