Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
* * Subject : Formal Complaint Against XXXX XXXX for Fraudulent Student Loan Servicing, Failure to Validate Debt, and Credit Reporting Violations * * I am filing an * * urgent and formal complaint * * against * * XXXX XXXX * * for their * * blatant violations of federal consumer protection laws, fraudulent student loan servicing, and refusal to validate my debt * * as legally required. This company has * * repeatedly ignored my lawful requests, falsified payment records, and damaged my credit * * all while failing to provide basic documentation proving I owe this debt. 

* * 1. Violations & Fraudulent Conduct by XXXX * * - * * Failure to Validate Debt * *, I sent a * * certified letter * * demanding validation of my student loan, including : - The original * * promissory note * * ( with wet ink signature ) - A complete * * payment history * * showing all transactions - Proof of * * legal transfer from the U.S. Department of Education * * - Documentation showing * * XXXX  legal authority to collect * * - * * XXXX has ignored this request entirely * *, violating * * 15 U.S.C. 1692g * * ( FDCPA ) and * * 34 CFR 682.410 * * ( Federal Student Loan Servicing Requirements ). 

- * * False Credit Reporting * * Despite my payments and disputes, XXXX * * has falsely reported late payments * * to credit bureaus, damaging my credit score. This violates the * * Fair Credit Reporting Act ( FCRA ) * * and * * CFPB servicing rules * *. 

- * * Refusal to Respond to Certified Mail * * I have made * * multiple attempts * * to contact XXXX via certified mail, yet they * * have ignored every request * *, demonstrating * * willful negligence and bad faith * *. 

* * 2. Demands for Immediate Action * * I * * demand * * that the CFPB * * force Edfinancial to * * : 1. * * Remove all fraudulent late payments * * from my credit report * * immediately * *.

2. * * Provide full debt validation * *, including : - The * * original signed promissory note * * - A * * complete payment ledger * * - Proof of * * legal ownership/transfer * * of my loan 3. * * Cease all collection efforts * * until they comply with federal law.

4. * * Compensate me for damages * * caused by their fraudulent reporting.

* * 3. Legal Threats & Escalation * * If the CFPB does not take * * swift and decisive action * *, I will : - * * File a lawsuit * * against XXXX for violations of the * * FDCPA, FCRA, and state consumer protection laws * *. 
- * * Report this fraud * * to the * * U.S. Department of Education Ombudsman * *, the * * Federal Trade Commission ( FTC ) * *, and my * * state Attorney General * *. 
- * * Publicly expose * * XXXX predatory behavior through media and consumer advocacy groups. 

* * 4. Conclusion * * XXXX is a * * disgrace to student loan borrowers * *, engaging in * * deceptive, abusive, and illegal practices * *. The CFPB * * must hold them accountable * * before they harm more borrowers. I expect a response within * * 15 days * * confirming enforcement action. 
XXXX XXXX Social Security number XXXX

Company response to consumer: Closed with non-monetary relief