Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This issue needs to be corrected by XXXX. It occurred while XXXX was servicing the loan and under XXXX reporting. XXXX keeps pushing off to XXXX to fix even as XXXX is owner of loan. ( See XXXX Account details ) XXXX is not correcting the inaccurate information. 

XXXX is in violation of the law! 

This week, I contacted the Texas State Attorney XXXX XXXX, Texas Senator XXXX XXXX, Texas Representative XXXX XXXX, US Congressional Representative XXXX XXXX, US Senator XXXX XXXX and US Senator XXXX XXXX to request help in solving my credit report issues. 
As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, you are not allowed to propagate misleading information. Currently XXXX is knowingly making false and misleading statements about my student loan debt. 

As per the XXXX Emergency Relief and Student Loan guidance from the XXXX XXXX XXXX ; all XXXX XXXX XXXX owned loans are suspended from payments, collections and default from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. This is solidified in the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ( P.L. 116-136 ) and invocation of the Higher Education Relief Opportunities for Students Act of 2003 ( HEROES Act ). Based on these acts the Department of Education put for the following policies : ( See department of Education documents attached ).

Accrual of interest on ED-held student loans and certain non-ED-held student loans was suspended from XX/XX/XXXX, through XX/XX/XXXX. 
ED-held loans were placed in a special administrative forbearance ( payment pause ) for XX/XX/XXXX, through XX/XX/XXXX. During this time, borrowers were not required to make payments on their loans. This special administrative forbearance counted toward the 120 monthly payments required to qualify for Public Service Loan Forgiveness ( PSLF ), the maximum repayment periods under the income-driven repayment ( IDR ) plans, and the nine voluntary payments required for individuals to rehabilitate their defaulted loans. 
Debt collection activities, including involuntary collection activities such as wage garnishment and offset of certain federal benefits ( e.g., Social Security benefits ), were suspended on ED-held student loans for XX/XX/XXXX, through XX/XX/XXXX. 
Multiple rules related to the 120 monthly payments required to qualify for PSLF were waived.

A one-time revision was made to the accounts of borrowers with ED-held loans to provide credit toward the IDR plan maximum repayment period for any months in which they were in repayment status and for specified periods of deferment or forbearance. 

My XXXX  student loans were owned by the XXXX XXXX XXXX ( proven by the Department of Education TDU approval ). As per court order ( CFPB vs XXXX XXXX ) XXXX has been banned from servicing student loans based on decades of systemic predatory and deceptive practices, my loans have been moved to another servicing agent. XXXX is no longer responding to my verification requests. ( See previous responses and credit report information from all three CRAs ), XXXX is still responsible for removing incorrect and inaccurate reporting information on my credit report, in accordance with federal law and the FDCPA. 

As per CARES Act and HEROS Act any and all XXXX late payment information from XXXX XX/XX/XXXX through XXXX XXXX is inaccurate and incorrect. Any and All late payment information from that time period needs to be removed immediately.

Company response to consumer: Closed with explanation