Consumer complaint received 2025-03-29 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute of Alleged Debt Improper Transfer of DOE Loan XXXX XXXX To Whom It May Concern, I am writing to formally dispute the validity of an alleged debt that has been transferred from the XXXX. 
Department of Education ( DOE ) to the XXXX XXXX XXXX ( XXXX ). I have never signed or agreed to any XXXX XXXX XXXX, nor have I entered into any contractual obligation with the XXXX. This transfer is improper, and the debt is unenforceable under federal law. 
Additionally, I recently applied for credit card and was denied due to incomplete and inacuarte information being reported on my credit reports. Upon further research and consultation with a legal advisor, I was informed that under 15 U.S.C. 1681a ( k ) ( 1 ) ( B ) ( ii ), this denial constitutes an adverse action as defined by the Fair Credit Reporting Act ( FCRA ). The denial appears to be directly linked to this alleged debt, which I am disputing as incomplete Please remove it from my credit report. 
Accounts XXXX Procedure in Case of Disputed Accuracy- INCOMPLETE AND INACCURATE INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX Procedure in Case of Disputed Accuracy- INCOMPLETE AND INACCURATE INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
XXXX Procedure in Case of Disputed Accuracy- INCOMPLETE AND INACCURATE INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
XXXX. No Legal Agreement Exists for an XXXX Loan Under 15 U.S.C. 632, the XXXX XXXX XXXX ( XXXX ) is authorized to administer business-related loansnot student loans. I have never applied for or signed any agreement for a XXXX XXXX XXXX, and therefore, I can not be held liable for a debt that I did not legally incur. 
Legal Precedent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A contract can not be enforced against a party who has not explicitly agreed to its terms. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX ) A creditor must produce a valid, signed contract to claim a legally enforceable debt. 
XXXX. Student Loans Are Federally Regulated and Can not Be Transferred to XXXX Under the Higher Education Act of XXXX ( HEA ), XXXX XXXX. XXXX et seq., federal student loans are exclusively governed by the Department of Education and its authorized loan servicers. The XXXX has no statutory authority to manage or collect federal student loans, making this transfer legally invalid. 
Furthermore, per 31 U.S.C. 3711, federal debts must be collected according to proper legal channels, and transferring a XXXX XXXX student loan to an agency unauthorized to collect such debts constitutes a violation of federal law. 
XXXX XXXX Supporting Unauthorized Agency Actions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Government agencies can not exceed their statutory authority when enforcing contracts. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) An agency must act within the power granted by XXXX, or its actions are legally void. 
XXXX. Violation of Adverse Action Requirements Under FCRA As mentioned earlier, my recent credit application was denied based on this alleged debt, which constitutes an adverse action under 15 U.S.C. 1681a ( k ) ( 1 ) ( B ) ( ii ) because it involved a refusal to XXXX credit in the requested terms due to information in my consumer report. 
Under 15 U.S.C. 1681m ( a ), creditors are required to provide : A written adverse action notice specifying the reasons for denial The name, address, and contact information of the XXXX XXXX XXXX ( CRA ) used Notification of my right to dispute inaccuracies in my consumer report Failure to comply with these requirements violates FCRA provisions and subjects creditors or collection agencies to potential legal liability. 
XXXX. Violation of the Fair Debt Collection Practices Act ( FDCPA ) If this debt is being pursued by a third-party collection agency, I demand full validation under 15 U.S.C.

1692g ( b ). Any attempt to collect an invalid or unenforceable debt violates the FDCPA, which prohibits : Misrepresentation of the legal status of a debt ( 15 U.S.C. 1692e ) Attempting to collect a debt without proper verification ( 15 U.S.C. 1692g ) If you are reporting this debt to credit bureaus, be advised that inaccurate reporting of an unenforceable debt violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and I will take legal action if this is not corrected.

5. Formal Demand for Debt Validation and Cease of Collection I demand the following within 30 days : Legal proof of debt, including the original signed promissory note ( not a copy ) Proof of lawful transfer from DOE to XXXX, citing applicable federal statutes Immediate cessation of all collection activities until proper validation is provided If you fail to validate this debt, I will escalate this matter by filing complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney Generals Office I expect a written response within XXXX  days from the date of this letter addressing all points raised herein, including proper adverse action disclosures related to my recent credit denial as required under FCRA guidelines. 
If no legally valid documentation is provided, this alleged debt must be permanently XXXX and removed from my credit report. 
Legal Liability and Damages for Non-Compliance If these incomplete and negative information is not removed or corrected as per FCRA requirements, I will have no choice but to : XXXX. File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
XXXX. Pursue legal action against the furnisher and credit reporting agencies under 15 U.S.C.

1681n for willful noncompliance, which allows for actual damages, statutory damages up to {$1000.00} per violation, and punitive damages in federal court. 
Final Demand I expect written confirmation within XXXX  days verifying that this repossession has been permanently deleted from my credit file. Additionally, I demand an updated copy of my credit report reflecting this removal. 
Failure to comply will result in immediate escalation, including legal and regulatory action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief