Consumer complaint received 2025-08-10 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: TX

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am submitting this letter as a formal dispute regarding duplicative and unauthorized student loan tradelines currently reported by XXXX, Equifax, and XXXX  under the names Department of Education XXXX XXXX. This notice is issued pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666.

Legal Grounds for Dispute : Under the FCRA : 15 U.S.C. 1681 ( Section 602 ) : Right to privacy and accurate reporting of personal financial data.

15 U.S.C. 1681b ( Section 604 ( a ) ( 2 ) ) : Credit reports may not be furnished without consumer authorization or valid legal purpose.

15 U.S.C. 1681e & 1681i : CRAs must follow reasonable procedures and investigate disputed data.

Under the FCBA : 15 U.S.C. 1666 : Consumers have the right to dispute billing errors, including inaccurate or unauthorized account activity.

Disputed Accounts Department of Education XXXX XXXX : You are reporting eight ( 8 ) separate student loan accounts under Account Number ending in XXXX. These tradelines are duplicative and reflect identical late payment histories, which is factually impossible for a single debt. 
Below is a summary ( all accounts reflect the same delinquencies from XXXX to XX/XX/XXXX ) : Examples : Account 1 Opened : XX/XX/XXXX Balance : {$3500.00} Late Payments : XXXX XXXX ( 90120 days late ) Accounts XXXX Opened between XX/XX/XXXX and XX/XX/XXXX Identical late payment entries : XXXX XXXX ( 90120 days late ) Note : The above are not separate loans ; they are artificially segmented tradelines for what is functionally one obligation, falsely inflating my debt load and harming my credit profile. 
Grounds for Immediate Correction : This is a billing error under 15 U.S.C. 1666.

Reporting multiple tradelines for the same loan and same delinquencies is deceptive, materially misleading, and a violation of 15 U.S.C. 1681e & 1681i.

The practice inflates negative data, damages creditworthiness, and constitutes unlawful duplicative reporting.

Identity Theft & Data Breach Relevance : I am a confirmed victim of the Equifax data breach. Verification through the official breach notification site confirms my personal information was compromised. This raises serious concerns about the validity and security of the information being reported.

To support this, I have included a federal summons issued to Equifax. These events may have contributed to the reporting of erroneous or mishandled data on my file.

Attached Documentation : Copy of Drivers License ( Government-issued ID ) Proof of Address ( Utility Bill ) FTC Identity Theft Report Federal Court Summons ( Equifax Breach ) This Formal Dispute Letter Resolution Requested : I am formally requesting : Immediately investigate and remove all eight ( 8 ) duplicate tradelines listed above.

Correct all inaccurate late payments.

Provide written confirmation that these items have been corrected or deleted from my credit file.

Notice of Legal Liability : Should you fail to comply, I will pursue all remedies allowed under the law, including filing claims for : Violations of FCRA 604, 605B, 1681e, and 1681i Violations of FCBA 1666 Statutory damages of {$1000.00} per violation under 15 U.S.C. 1681n & 1681o This matter will also be submitted to : U.S. Federal Court State Small Claims Court Office of the Attorney General Consumer Financial Protection Bureau ( CFPB ) Please treat this matter with the seriousness it deserves and respond in writing to confirm resolution and correction of these accounts.

Thank you for your immediate attention.

Company response to consumer: Closed with explanation