Consumer complaint received 2025-06-10 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: NJ

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the following federal student loan accounts listed on my credit report. These loans were issued under the XXXX Department of Education, which has since been abolished, rendering these debts legally unenforceable and unverifiable. The student loans listed below reflect significant amounts of added interest and contain numerous inaccuracies. This is unacceptable. I, hereby opt out of all third-party companies of consumer reporting agencies such as XXXX, EQUIFAX, and XXXX  to XXXX information such as my student loan information such as : Creditor : XXXX  Account # XXXX Open Date : XX/XX/XXXX Reported Balance : { {$74000.00} } Creditor : XXXX Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : { {$0.00} }. 
Reason for Dispute : Abolishment of the XXXX Department of Education The originating agency for these loans no longer exists, making these debts legally unenforceable. Inability to Verify Debt Per the Fair Credit Reporting Act ( FCRA 1681i ), you must verify the accuracy of these accounts. Since the Department of Education is defunct, verification is impossible. No Valid Current Creditor Nelnet services these loans on behalf of the DOE, which no longer exists. There is no legal authority to collect or report this debt. 
Notably, in XXXX, XXXX XXXX  settled with the XXXX Department of Education for {$700000.00} following the agencys investigation into the business school submitting false data to the U.S. News & World Reports college rankings. XXXX XXXX  also reached a multimillion dollar settlement with students engaging in deceptive and misleading practices, including misrepresentations regarding tuition, financial aid, and career outcomes. 
Additionally, under the FCRA, you are obligated to promptly investigate disputed information and correct or delete inaccurate data. Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I have not given them full authorization to disclose any of my information about my student loans. Please do immediately remove all student loan accounts listed on non-affiliated third party companies of EQUIFAX, XXXX, and XXXX  Thank you for assisting me on this crucial request and I hope to hear from you within XXXX business days.

Company response to consumer: Closed with explanation