Consumer complaint received 2025-05-05 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: NC

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and a notice of violations committed by the furnisher ( s ) and your agencies regarding alleged student loan account ( s ) reported on my consumer report. These actions are unlawful, deceptive, and violate my federal rights. 

Accounts in questioned Account Name : XXXX / Experian Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  1. Unauthorized Reporting and FCRA Violations The alleged student loan accounts reported on my file were : Furnished without lawful permissible purpose ( 15 U.S.C. 1681b ) ; Reported by entities with separate XXXX XXXX XXXX numbers, proving corporatenot federalstatus ; Reported without validating the existence of an original wet-signed contract or confirming the loan was not extinguished through securitization. 

Your agency is legally obligated under 15 U.S.C. 1681i to conduct a reasonable reinvestigation. Reporting unverifiable data exposes you to liability. 
2. False Representation of Federal Authority Entities like XXXX, XXXX, and XXXX  : Operate under the XXXX XXXX : XXXX and XXXX : XXXX ; These are commercial registrations, not sovereign designations under 5 U.S.C. 551 ( 1 ) ; Former President Donald Trump publicly stated the Department of Education should be abolished, exposing that this agency may lack lawful permanence or federal enforcement authority. Any collections or wage garnishments presented as federally authorized by these entities constitute fraudulent misrepresentation. 
3. Administrative Wage Garnishment ( AWG ) Without Due Process If any garnishment was or is being reported : Only true federal agencies can initiate AWG under 31 U.S.C. 3720D ; It requires notice, hearing, and opportunity to dispute ; Without these steps, it violates my Fifth Amendment rights and is therefore invalid. 

Reporting such action amounts to defamation of credit and disregard for factual accuracy. 
4. FDCPA and FCRA Violations by Furnishers The furnishers of this debt may also be in violation of : 15 U.S.C. 1692e ( 2 ) ( A ) : False legal status representation ; 15 U.S.C. 1692f ( 1 ) : Collecting amounts not lawfully owed ; 15 U.S.C. 1681s-2 ( b ) : Failing to investigate a disputed claim. 

Your bureau shares responsibility when continuing to report incorrect or unverifiable information. 
5. Demand for Deletion and Opt-Out I demand : Immediate deletion of all related student loan entries from my credit report ; Disclosure of your method of verification and the parties contacted ; Removal of any wage garnishment or delinquency not fully validated ; Opt-out from any data sharing on these items under 15 U.S.C. 6802, 6801 ( b ) ( XXXX XXXX ). 

6. Notice of Legal Action and Arbitration If these demands are not fully honored within XXXX  days, I reserve the right to : File for binding arbitration seeking full legal damages ; File suit under FCRA, FDCPA, and 42 U.S.C. 1983 ; Report you and involved furnishers to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and other federal agencies. 

This is your legal notice and demand for immediate corrective action. 
Additionally, I would like to remind you that as the credit reporting agencies, you have assumed the responsibility to ensure that my credit report reflects only accurate and verifiable information, in compliance with the standards set forth under the FCRA. You are obligated to ensure maximum possible accuracy in the information you report and maintain.

Company response to consumer: Closed with explanation