Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
# # # * * XXXX. Inconsistent Student Loan Status ( Dept of Ed/XXXX  ) * * * * Violations : * * - * * FCRA XXXX681e ( b ) * * ( 15 U.S.C. 1681e ( b ) ) : Inaccurate reporting of identical loans as both " in good standing '' ( Equifax, XX/XX/XXXXXXXX  ) and " past due '' ( TransUnion/Experian , XX/XX/XXXXXXXX  ). 
- * * UCC 1-203 * * : Implied covenant of good faith and fair dealing breached by contradictory reporting.

- * * Common Law Fraud * * : Reckless disregard for accuracy constituting misrepresentation.

* * Legal Demand : * * > " Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), immediately investigate and delete all 'past due ' entries for XXXX loans. Conflicting statuses violate 15 U.S.C. 1681e ( b ) 's maximum accuracy requirement and UCC 3-305 's warranty of authenticity. Failure to correct within 30 days constitutes willful noncompliance under 1681n. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverifiable Collection Account XXXX XXXX XXXX XXXX XXXX {$170.00} ) * * * * Violations : * * - * * FCRA 1681c ( f ) * * ( 15 U.S.C. 1681c ( f ) ) : Omission of original creditor name and debt validation documents. - * * UCC 3-501 * * : Failure to provide negotiable instrument upon demand. - * * Common Law Defamation * * : False reporting to " TrainUnion '' ( bureau name misspelling proves flawed sourcing ).

* * Legal Demand : * * > " Delete this collection immediately under 15 U.S.C. 1681i ( a ) ( 5 ) as unverifiable. The misspelled bureau name and lack of chain of title violate UCC 3-201 endorsement requirements and FCRA 1681g ( a ) ( 1 ) 's disclosure mandate. Non-remediation within 30 days triggers liability under 1681o. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX  3. Employment Information Discrepancy * * * * Violations : * * - * * FCRA 1681e ( a ) * * ( 15 U.S.C. 1681e ( a ) ) : Illogical employment dates ( e.g., XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX at same address ). 
- * * UCC 1-201 ( b ) ( 20 ) * * : Failure to maintain commercially reasonable records.

- * * Common Law Negligence * * : Failure to exercise due care in data aggregation.

* * Legal Demand : * * > " Correct or delete inconsistent employment history per 15 U.S.C. 1681i ( c ). The chronology impossibility violates Regulation V 1022.42 ( a ) ( 4 ). Provide audit trail per UCC 9-210 within 30 days or delete per 1681i ( a ) ( 3 ) ( A ). '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Hard Inquiry Irregularities ( XXXX XXXX XXXX XXXX XXXX XXXX Violations : * * - * * FCRA 1681b ( a ) ( 3 ) ( F ) * * ( 15 U.S.C. 1681b ( a ) ) : Lack of permissible purpose for multiple inquiries. 
- * * UCC 3-505 * * : Failure to provide signed application upon demand.

* * Legal Demand : * * > " Delete unauthorized inquiries for lack of permissible purpose under 1681b ( c ) ( 1 ) ( B ). Absent a signed credit application ( UCC 3-401 ), these inquiries violate 1681n ( c ) ( 1 ) ( B ) ( i ). Provide verification documents within 30 days. ''

Company response to consumer: Closed with non-monetary relief