Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Date : XX/XX/XXXX To Whom It May Concern, This is a formal complaint regarding the improper servicing, reporting, and collection of my federal student loans by XXXX and XXXX, including their contracted third-party collection agencies. Both servicers have failed to meet federal regulatory requirements and have caused significant financial harm through negligent and unlawful handling of my account. 
The loans in question were either placed into Exceptional Discretionary Forbearance by the U.S.

Department of Education from XX/XX/XXXX through XXXX/XXXX/XXXX, or fully discharged under Borrower Defense. These statuses prohibit : - negative credit reporting - charge-offs - transfer to collections- continued collection activity - misrepresentation of delinquency - failure to update federal loan systems with correct statuses Despite this, XXXX and XXXX allowed derogatory reporting, improper collection activity, and the placement of the loans with a collection agency while the loans were in protected or discharged status. 
These actions violate : - Higher Education Act ( HEA ) - FCRA 602623 - FDCPA 807, 808, 809 - Consumer Financial Protection Act - Federal Student Aid servicing and compliance standards Direct Violations by XXXX and XXXX : XXXX. Failure to accurately report the federal forbearance or discharge status XXXX. Failure to cease all collection activity during protected federal periods XXXX. Failure to update federal loan records as required by the Department of Education XXXX. Failure to respond to and properly investigate disputes submitted by me XXXX. Failure to validate any alleged debt prior to continued reporting or collection XXXX. Failure to prevent improper assignment of the account to a collection agency XXXX. Failure to remove or correct inaccurate charge-off notations Demand for Immediate Corrective Action : I am demanding immediate action by both XXXX  and XXXX as responsible parties : 1. Immediate deletion of all negative, inaccurate, or unverified credit reporting 2. Immediate written confirmation of the federally protected loan status 3. Immediate cessation of all collection activity by any third-party agency 4. Immediate correction of all servicing errors and federal reporting failures 5. Immediate removal of all charge-off and delinquency notations 6. Immediate compensation for all damages, including credit damage, financial loss, emotional distress, and the consequences of federal law violations. 
I am demanding full monetary compensation immediately. 
Attachments : - Federal Exceptional Discretionary Forbearance confirmation - Borrower Defense discharge documents- Credit report screenshots- Collection letters- Dispute letters- Proof of inaccurate reporting and servicing failures- All correspondence showing non-compliance I expect a full written response, all corrections made, and financial compensation without delay. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief