Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To : Experian XXXX XXXX XXXX XXXX TX XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Pursuant to FCRA, FDCPA & Regulation F Dear Experian and Equifax, I am writing to formally dispute several inaccurate items currently being reported on my credit file. These errors are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692, and Regulation F ( 12 CFR Part 1006 ). 



1. XXXX XXXX Account Comeback Verified This account is inaccurately reported and should be removed based on the following : Conflicting Closing Dates : The XXXX XXXX account is displaying different closing dates across Experian, Equifax, and XXXX which constitutes an inconsistency and misrepresents the accounts history. 

Misleading Payment History : The account is closed yet still shows an outstanding balance and a reported payment history that is not accurate. 

Selective Reporting : The account is only reporting to Experian, not Equifax or XXXX. This selective reporting creates a misleading credit profile and affects my creditworthiness unfairly. According to 15 U.S. Code 1681e ( b ), credit reporting agencies must maintain maximum possible accuracy. If data is incomplete or selectively reported, it must be corrected or removed. 

Please provide me the documentation received to confirm the 100 % accuracy : who did you interview : what did they say : what number did you call : what time and date did you speak Provide me this information or remove this account from my credit profile 2. XXXX XXXX Loan Accounts These student loan entries are also inaccurate : Inaccurate Payment History : I have never made any payments on my student loans, yet XXXX is reporting a history of payments, which is entirely false. 

Unauthorized Data Access/ FERPA Violation : My student records, financial aid data, IRS data, and education files were accessed and shared without my explicit consent. This unauthorized access violates the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g, which protects the privacy of student education records. 



Federal Law Violations The following statutes support my right to dispute and have inaccurate information corrected or removed : FCRA ( 15 U.S.C. 1681i ) You are required to reinvestigate disputes of information and delete or correct inaccurate, incomplete, or unverifiable information. 

FCRA ( 15 U.S.C. 1681e ( b ) ) Mandates that consumer reporting agencies ensure the maximum possible accuracy of the information they report. 

FDCPA ( 15 U.S.C. 1692e ) Prohibits any false, deceptive, or misleading representation in connection with the collection of a debt. 

Regulation F ( 12 CFR 1006.34 ) Requires debt collectors to provide clear and accurate disclosures and avoid furnishing inaccurate data to credit reporting agencies. 



Requested Action I request the following be completed within the 30-day period mandated by the FCRA : 1. Immediate removal of the XXXX XXXX account from my Experian, XXXX  and Equifax credit reports due to its inconsistencies, misreporting, and failure to report to all bureaus. 

2. Removal or correction of all XXXX student loan entries falsely reporting payment history. 

3. Investigation into the unauthorized access of my financial and educational records, with appropriate corrections and documentation. 



Please conduct a full investigation into these matters. I request written confirmation of the results of your investigation and copies of any documentation you received from the data furnishers in response. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation