Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
This is a formal dispute and demand for the immediate deletion of erroneous, inaccurate, or potentially fraudulent student loan accounts from my credit file. I am asserting my rights under federal law to have these inaccurate entries investigated and removed, as they are causing serious harm to my credit profile and were not authorized by me.

I have reason to believe that these loans were either fraudulently obtained, incorrectly reported, or unlawfully maintained on my credit report. These accounts have also been reported to the Federal Trade Commission ( FTC ).

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I have the right to dispute information in my credit file that I believe is inaccurate or incomplete. The credit bureau must conduct a reasonable reinvestigation within 30 days.

Per 15 U.S.C. 1681s-2 ( b ), the furnisher of the disputed account ( loan servicer or collection agency ) is also required to investigate and correct inaccurate information.

If the investigation reveals the information is inaccurate, incomplete, or can not be verified, it must be promptly deleted or corrected. ( 1681i ( a ) ( 5 ) ( A ) ) If any debt collector is attempting to collect on these loans, under 15 U.S.C. 1692g, I have the right to request debt validation within 30 days of being contacted.

Under 15 U.S.C. 1692e, it is illegal for any debt collector to use false, deceptive, or misleading representation in connection with the collection of any debtincluding falsely reporting debts to credit bureaus.

According to 20 U.S.C. 1080a, student loan servicers must maintain accurate records and must not report loans that are in dispute without clearly noting their disputed status.

If the loans were discharged ( via bankruptcy, disability, closed school discharge, or other legal remedy ), they must not be reported as active defaults or collections.

If these loans were obtained fraudulently using my identity, it may also be a violation of this act. I have already submitted an FTC Identity Theft Report as required under this statute.

1. Immediately delete all inaccurate student loan accounts from my credit profile.

2. Notify all furnishers ( loan servicers or debt collectors ) of this dispute, as required under FCRA.

3. Provide me with the results of your reinvestigation and a free updated copy of my credit report under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ). 

Disputed Accounts 1. DEPT OF ED / XXXX # XXXX 2. DEPT OF ED / XXXX # XXXX 3. DEPT OF ED / XXXX # XXXX 4. DEPT OF ED / XXXX # XXXX 5. XXXX  # XXXX 6. XXXX  # XXXX 7. DEPT OF ED / XXXX # XXXX 8. DEPT OF ED / XXXX # XXXX 9. DEPT OF ED / XXXX # XXXX 10. DEPT OF ED / XXXX # XXXX Please consider this letter as a formal warning. Failure to remove unverifiable, inaccurate, or fraudulent accounts within the statutory 30-day period may result in further legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ), state attorney general, and, if necessary, civil litigation

Company response to consumer: Closed with explanation