Consumer complaint received 2025-05-21 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: IL

Complaint narrative:
Equifax XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Student Loan Reporting and Unauthorized Record Access To Whom It May Concern, I am writing to formally dispute several inaccuracies and serious concerns related to the reporting of student loan accounts on my credit reports maintained by your agency. My credit file contains the following errors and violations, which I demand be investigated and corrected immediately : XXXX. Inconsistent and Inaccurate Student Loan Reporting There are discrepancies in the way my student loans are being reported across XXXX, Equifax, and XXXX. The information regarding balances, lenders, account statuses, and dates opened is not consistent across all three bureaus. I request that you investigate and reconcile these inconsistencies and provide documentation to support the accuracy of the reporting. XXXX. Falsified Payment History My credit report inaccurately reflects a payment history for student loans that I have never made. I have never paid a single dollar toward any student loan, and this reporting is factually incorrect. The inclusion of these payments is a violation of the Fair Credit Reporting Act ( FCRA ), as it misrepresents my payment behavior and financial status. I request immediate removal or correction of this false payment history. XXXX. Unauthorized Access to Student, Financial, and IRS Records Additionally, I have reason to believe that my educational records ( protected under XXXX ), financial records, and IRS information have been accessed without my explicit written consent. Specifically : My student records have been accessed by third parties, including the Department of Justice ( DOJ ), without lawful justification or proper authorization. This unauthorized access represents a serious violation of the Family Educational Rights and Privacy Act ( FERPA ), which guarantees my right to privacy and consent regarding the disclosure of my educational records. These matters not only represent inaccurate and harmful credit reporting, but also constitute possible violations of federal privacy laws, including the FCRA, FERPA, and applicable IRS confidentiality provisions. Requested Action I respectfully demand that you : Investigate and correct all discrepancies in student loan reporting across your agency. Remove any and all false payment history from my student loan accounts. Provide documentation of any access to my educational or financial records associated with credit reporting or verification. Remove any data acquired through unauthorized or unlawful access to my records. I have enclosed copies of my government-issued ID and a utility bill for identity verification. Please provide a response in writing within XXXX  days, as required by the Fair Credit Reporting Act. If these inaccuracies and privacy violations are not addressed promptly, I will be forced to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Department of Education, and potentially seek legal counsel for the violation of my rights. Thank you for your prompt attention to this urgent matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation