Consumer complaint received 2025-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Subject : Formal Legal Demand for Permanent Deletion XXXX XXXX XXXX XXXX XXXX XXXX Accounts * * Violations : FCRA 609 ( a ) ( 1 ), 605 ( a ), 1681e ( b ), 1681i, 1681n | Metro 2 Noncompliance To Whom It May Concern, I am extremely disappointed that inaccurate information has been included in my credit report. The Fair Credit Reporting Act gives me the right to dispute any such information, and I demand that this be rectified as soon as possible. I understand that creditors are required to document and validate the data in my credit report before using it. I find it unacceptable that allegations of delinquency and derogatoriness against me have been made, which are completely false. I will fight back with all my strength, but I need evidence that supports the negative status of my accounts. I request that you provide proof of a permissible purpose for the inquiry or account within my report. Your lack of attention to detail in compiling my credit report is disappointing, and I must say that you are not doing your job properly. Immediate action is imperative to resolve this issue ; otherwise, there could be serious consequences. I am giving you a 30-day window from the date of delivery to resolve this matter, and I hope that everything can become clear and correct itself without the need for intervention or escalation. Listed below are the Accounts that are being challenged : 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 I regret to express my profound disappointment regarding the infringement upon my rights. I have meticulously outlined my apprehensions regarding the manner in which your reporting is conducted in the accompanying documentation. Regrettably, the document in question remains inadequate and fails to meet the standards I expect. In accordance with the law, it is imperative that you diligently and faithfully certify all facets of the mandatory FCRA/Metro 2 compliance, ensuring that such certification is executed truthfully, accurately, and in a timely fashion. Failure to adhere to these requisites will necessitate my escalation of these concerns to the Consumer Financial Protection Bureau, Federal Trade Commission, and my respective Attorney General. This letter is to notify you that I have been made aware of your potential illegal practice of sending form letters in response to disputes and challenges from consumers, regardless of the information they have provided. This act may be in violation of 15 U.S. Code 1681i, which mandates that every dispute and challenge should be dealt with independently and based on its own merits. The letters I sent were generated using software that is available to the public. If you fail to process my letters, it may be a potential breach of my consumer rights. I consider this a possible intentional disregard of my rights, and I may seek legal action by contacting my lawyer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is the third duplicate of the same student loan collection already disputed and deleted from XXXX. Equifax and XXXX  continue to report inconsistent balances, dates, and statuses across multiple entries with the same account root. This violates FCRA 1681e ( b ) and 1681i, as well as Metro 2 reporting guidelines, which prohibit duplicate, fragmented, or misleading account entries. The data is materially inaccurate and intentionally deceptive. There is no verifiable evidence for this variation of the account, and the ongoing duplicate reporting shows willful noncompliance with federal law and industry reporting standards. I demand the permanent DELETE of this entire tradeline from both Equifax and XXXX. Retaining this data after previous deletion by XXXX  and after multiple disputes shows reckless disregard for consumer rights and accuracy obligations. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX demanding the permanent DELETE of this entire account from Equifax. This tradeline has already been deleted from XXXX and XXXX yet Equifax continues to report a derogatory status, balance due, and 120+ days delinquent without providing any physical evidence of liability or validation of debt. This violates my rights under 15 U.S.C. 1681i for reinvestigation failure, 1681e ( b ) for lack of accuracy, and 1681s-2 ( b ) for furnishers reporting unverifiable data. It also shows a breach of Metro 2 compliance the CRRG clearly outlines that inconsistent, outdated, and unverifiable collection data must not be retained. Your refusal to match the reporting actions of the other repositories shows willful noncompliance. This account must be permanently DELETED from my Equifax report immediately or I will escalate this with CFPB, my state AG, and legal counsel. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This derogatory collection account was already permanently deleted from both XXXX  and XXXX after dispute yet Equifax continues to report it with a high balance, violating 15 U.S.C. 1681e ( b ) and 1681i by failing to ensure maximum possible accuracy and completeness. Youve had ample time to correct this after being notified of dispute. Reporting a collection balance with no verified payment activity since 2018, in direct contradiction to the other two bureaus, shows willful noncompliance and blatant disregard for Metro 2 guidelines. This also breaches my consumer rights under the Fair Credit Reporting Act and opens Equifax to statutory damages under 1681n. I am demanding the permanent DELETE of this entire account from my Equifax report. This file is clearly unverifiable, obsolete, and inaccurately reported. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a duplicate and inaccurate entry of an account already reported and deleted by XXXX. Reporting the same debt more than once even with different balance values is deceptive, misleading, and violates FCRA 1681e ( b ) for failure to maintain maximum possible accuracy. It also violates 1681i for failing to fully correct inaccurate data after notice. Furthermore, the reporting structure violates Metro 2 Format requirements under the CDIA CRRG, which strictly prohibits duplicate account reporting and mandates synchronization across all repositories. This duplicate was never verified through physical documentation and is clearly an attempt to double-report the same tradeline. I am demanding the permanent DELETE of this entire tradeline from both Equifax and XXXX  This file is erroneous, redundant, and non-compliant. Failure to delete will be treated as willful noncompliance and escalated through CFPB and legal enforcement channels. The fact that XXXX and XXXX  have already deleted these accounts and yet you continue to report them in fragmented, contradictory ways is a clear indication of willful noncompliance. No reasonable reinvestigation could result in this mess staying on file. There is no legal basis for this continued reporting, and your inaction proves youre either ignoring the law, or believe youre above it. Clear Legal Violations 609 ( a ) ( 1 ) : You have not provided a signed instrument, original contract, or any valid documentation verifying this debt. That is required under federal law when a consumer requests disclosure of the source and evidence of a reported item. 605 ( a ) : The original delinquency on this account traces back to 2018. Yet you continue to re-report and re-age the same tradeline, which violates the seven-year legal limit for derogatory data. 1681e ( b ) : You have a legal obligation to maintain the maximum possible accuracy of all data reported. Reporting four conflicting versions of one debt proves this has been completely disregarded. 1681i ( a ) : I have submitted prior disputes, and you have failed to conduct a proper reinvestigation. Automated parroting of verified is not compliance. Its negligence. 1681n : Because this is no longer accidental and because youve had every chance to correct it you are now liable for willful noncompliance, and I will seek damages accordingly.

Company response to consumer: Closed with non-monetary relief