Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have submitted at least XXXX disputes since XX/XX/XXXX to have the same incorrect and XXXX to XXXX XXXX XXXX information removed for my file, but Equifax continues to allow this inaccurate information to remain on my credit report, the FCRA and a violation of 15-USC-1681 Disputes about this information began in XX/XX/XXXX with identity theft complaints and FTC Affidavits filed, with CFPB, XXXX FTC and Directly with Equifax. There is no legal right for Equifax to allow this information to remain on my credit report. Equifax is out of compliance, practicing willful noncompliance of FCRA 15-USC-1681 ( O ), and continuing to send/report and transmit this inaccurate information is willful negligence. Equifax is in violation of many Federal and State Consumer Laws which is a crime and subject to prosecution. 

As of today, XX/XX/XXXX, Equifax continues to publish this information on my credit report Remove this alias Equifax created. I have never been known as " XXXX XXXX '' as Equifax put itXXXX " Formerly known as XXXX '' the last name is misspelled Remove old employment, XXXX over XXXX XXXX XXXX and XXXX over XXXX XXXX XXXX XXXX listed asXXXX XXXX XXXXXXXX XXXX listed asXXXX FORMER There should not be any employment listed Remove more than XXXX XXXX XXXX student address listed as : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only have XXXX residential address and it is the XXXX in my file in XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed multiple times for extensive periods of times through Equifax, XXXX, FTC, and the CFPB, inaccurate, fraudulent student loan accounts remain on my credit report because of XXXX 's illegal actions. 
SEE attached Equifax XXXX Student Loan Accounts reporting Please Remove all XXXX XXXX XXXX accounts. XXXX is not the owner of the accounts and never proved their legitimacy in reporting student loan accounts when they failed to show proof of accounting history, an original signed Promissory Note with my signature and their name as the lender, nor proof of chain of transference of these loans to them. Equifax failed to follow the FCRA when applying/ reporting/transmitting this illegitimate information. XXXX is committing fraud as they are reporting student loan accounts that they don't have right to report and are reporting with inaccurate amounts, as any student loans that I had are XXXX by the Department of Education, who is reporting any student loans balances as {$0.00}. XXXX and Equifax are in violation of FCRA 15-USC-1681 at multiple levels including willful noncompliance, and negligence are continuing to report this fraudulent information, using my personal and financial information unlawfully, committing Identity Fraud according to 18- USC-1028, amongst other FCRA Laws, Federal and State Credit Reporting Laws, and Consumer Protection Laws.

Company response to consumer: Closed with non-monetary relief