Consumer complaint received 2025-02-09 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: OH

Complaint narrative:
Subject : Dispute of Fraudulent Student Loan Accounts Identity Theft Report & Failure to Update Investigation Remarks Dear Sir or Madam, I am writing to formally dispute fraudulent student loan accounts that have been opened in my name due to identity theft. Attached, you will find my Federal Trade Commission ( FTC ) Identity Theft Reports detailing these fraudulent loans. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b and 15 U.S.C. 1681s-2 ( a ) ( 3 ), you are required to conduct a proper investigation and remove all fraudulent accounts from my records.

Additionally, pursuant to 15 U.S.C. 1681s-2 ( a ) ( 3 ), you are required to update the remarks on my credit report to reflect the results of your investigation. To date, you have failed to comply with this requirement, thereby violating federal law. Your failure to update these remarks is causing continued harm to my credit profile and financial well-being. 

Below are the fraudulent student loan accounts associated with my name : XXXX. Account with Department of Education XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$2500.00} XXXX. Account with Department of Education XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$2600.00} XXXX. Account with Department of Education XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$2600.00} XXXX. Account with Department of Education XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$2800.00} XXXX. Account with Department of Education XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$4200.00} XXXX. Account with Department of Education XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$5300.00} XXXX. Account with Department of Education XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$5500.00} XXXX. Account with Department of Education XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$7200.00} XXXX. Account with Department of Education XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$9100.00} XXXX. Account with Department of Education XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$9800.00} XXXX. Account with Department of Education XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$160.00} XXXX. Account with Department of Education XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$850.00} These accounts were fraudulently opened without my knowledge or consent. I have already reported this identity theft to the FTC, and I am requesting that these accounts be removed from my records immediately. 

Pursuant to the FCRA, I am also requesting : A written statement confirming the deletion of these fraudulent accounts. 
All supporting documentation regarding these accounts, including any application records.

Immediate updates to my credit report reflecting the results of your investigation, as required by 15 U.S.C. 1681s-2 ( a ) ( 3 ). 
XXXX of any collection efforts related to these accounts. 

I have enclosed copies of my FTC Identity Theft Reports ( FTC Report Numbers : XXXX, XXXX, and XXXX ) for your reference. I request a response within 30 days of receipt of this letter, as required by federal law. 

Please confirm receipt of this dispute and provide written verification of the corrective actions taken. Should you require further information, I can be reached at ( XXXX ) XXXX or XXXX. 

Failure to comply with these legal obligations may result in legal action being pursued against you. 

Sincerely, XXXX XXXX UCC-1-308 Without Prejudice

Company response to consumer: Closed with explanation