Consumer complaint received 2025-10-15 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX, GA XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : FORMAL DEMAND FOR INVESTIGATION & CORRECTION OF FCRA/FERPA VIOLATIONS IN TRANSUNION CREDIT FILE To Whom It May Concern, I am filing a formal dispute and demand for immediate enforcement action pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair and Accurate Credit Transactions Act, and the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g.

TransUnion has willfully and negligently published false, incomplete, and unverifiable information in my credit file. Their reckless reporting practices are in direct violation of multiple provisions of federal law, and I demand immediate correction.

1. Illegal Reporting of Student Loan Accounts ( FERPA Violation ) TransUnion is publishing adverse information regarding XXXX XXXX XXXXXXXX student loan accounts ( several marked as 120+ days late ). Under FERPA, student loan records and repayment statuses are educational records and must be safeguarded, not disseminated to third parties absent proper authorization. TransUnions handling and publication of this data without consent and with inaccuracies constitutes a direct FERPA breach.

2. Violation of FCRA 1681c-2 ( Identity Theft / Blocking Duty ) I dispute the student loan tradelines ( XXXX XXXX XXXXXXXX, file numbers ending XXXX XXXX XXXX XXXX XXXX and others ) as fraudulent and inaccurate. Pursuant to 15 U.S.C. 1681c-2, a consumer reporting agency must block information that results from identity theft within 4 business days of receipt of proper notice.

I hereby demand immediate blocking of these accounts.

Continued reporting of these disputed accounts after notice constitutes willful noncompliance with federal law, exposing TransUnion and its furnishers to statutory and punitive damages.

3. Reporting Outdated and Unverifiable Information ( FCRA 1681c ) The accounts in question are scheduled for removal as late as XX/XX/XXXX. Negative information is legally restricted to 7 years from the date of delinquency under 15 U.S.C. 1681c ( a ) ( 4 ). TransUnions claim of removal in 2032 far exceeds statutory limits and is per se unlawful.

4. Failure to Assure Maximum Possible Accuracy ( FCRA 1681e ( b ) ) The report lists multiple adverse statuses ( 120 days past due, charged-off, etc. ) with inconsistent balances and dates. This demonstrates a systemic failure by TransUnion to maintain reasonable procedures to assure maximum accuracy, as mandated under 15 U.S.C. 1681e ( b ). 



5. National Security and Public Accountability Given Elon Musks increasing influence in federal technology contracts, consumer finance platforms, and AI-driven risk scoring models, I am requesting that the CFPB ensure no unlawful collusion or data-sharing has occurred between TransUnion, the Dept . of Education, and private sector entities. Any entanglement of my student loan records within systems associated with Musk-affiliated enterprises ( including but not limited to XXXX, formerly XXXX, or XXXX insurance/finance platforms ) would raise grave concerns of consumer exploitation and surveillance abuse.

Company response to consumer: Closed with explanation