Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXXXXXX XXXXXXXX XXXX I have had to stay up very late to analyze, document, video record, screen record, and audio record the events, and evidence, that exist, and what have occurred, over the past 2+ calendar years.

I have to continue to document these problems, because they are continuing, ongoing, and unresolved in violation of Federals and State of TN laws, codes, statutes, and consumer rights protects.

The video link below plays audio and video that lasts a total of 1 hour 12 minutes 56 seconds long in total.

Some of the topics discussed, and proven, included, but are not limited to, the following : 1. Multiple years of requesting validation, calculation, and proof of accuracy in current alleged amount owed, and transaction and interest rate history not provided.

2. Multiple years of utilize the methods XXXX XXXX XXXX suggests to complete these tasks : customer portal online, mailing letters, and calling their hotlines, all with the same results : debts not validated, missing transaction history, impossiblity of calculating, and validating, current alleged amounts owed.

3. Missing statements.

4. Missing interest rate records for 21 calendar years.

5. Missing transaction history admitions in multiple places.

6. Inacurrate account summaries on multiple screens and documents regarding types of interest rates, and what interest rates are.

7. Online portal displaying drastically different data regarding interest rates currently being applied and calculated when compared with XXXX XXXX mail out documents.

8. Documents claiming to be promissory notes missing : School Certification, School Name, School Code, Disbursement Dates, Enrollment Period, Grade Level, Status, Authorized School Official Signature, Official Name, Official Date, Official Phone, Certification Sent Status, and more.

9. Furthermore, these invalid alleged promisory notes contain a legal statement as follows : " I hereby certify... etc. '' This section is legally required, and was never completed. This is a legally incomplete, and invalid, and unapproved " application ''.

10. Fine print describing the way interest rates are supposed to be calculated, and applied, to alleged debts does not appear to follow what has been imposed upon me over the years.

11. DOB and SS # s are missing from the alleged applications/promisory notes.

12. XXXX 's Professional Amortization Calculators appear to indicate that these loans would have already been paid off in full during the past 21 calendar years, but XXXX XXXX alleges I still owed more than I orginally borrowed. 
13. No one who works at XXXX XXXX has been able to explain what I mentioned above, and I have made over XXXX phone calls in the past 3-4 years about all of this. Some of there staff asked me to hire a lawyer to fight their company for breaking laws. Staff have laughed about breaking laws, and have made statements like, " I will continue to break the law to cause you harm. '' I work very hard, many hours, and simply request, and demand, the same thing I have been demanding for several years now : XXXX XXXX XXXX, XXXX, Equifax, XXXX, Cease and Desist reporting the existence of alleged debts owed by XXXX XXXX. 
Report all XXXX XXXX XXXX debts be {$0.00} owed, and in good standing, permanently closed. 
Notate that I have provided proof that these debts have not been validated, despite my repeated formal complaints through the CFPB, and directly with each company. 
None of you can provide me with valid origination documents. 
None of you can provide me with valid promisory notes nor applications. 
None of you can provide me with complete transaction history. 
None of you can provide me with interest rate history. 
None of you can provide me with explaination about the transaction history. 
None of you have any ability to calculate with any level of accuracy, what amount, if any, is allegedly currently owed as a results of these facts and factors. 
This has been a consistent problem for the life of the these loans. 
These problems have been emphasized repeatedly for the past XXXX calendar years, most especially. 
I know for a fact that XXXX, Equifax, and XXXX  have never been provided with any of this information, because XXXX XXXX XXXX has never been able to provide it to me, and XXXX, Equifax, XXXX, have never been able to send me copies of ANY proof sent to them by XXXX / XXXX. 
Perhaps this is because these " Credit Bureaus '' are being severely mis-managed by foreign entities, which would make this internation crimes against US citizens XXXX 

Here is the link to the video and audio evidence I created today. 
It is currentXXXX XXXX XXXX XXXX XXXX I have to work tomorrow, and this XXXXXXXX XXXX is very harmful to my health, especially considering my XXXX  XXXX. 
Link : XXXX XXXX XXXX This file, above mentioned, is very large. I hope that it uploads successfully. I can not stay up any later. I'm feeling very sick from the stress of all this, and the lack of sleep. 

If anyone would like to help me gain justice in this situation, please contact me directly by text and phone call at XXXX. 

Even if the video link does not work, I have proof of everything I have described, and XXXX / XXXX, XXXX, Equifax, and XXXX  can not disprove my statements, because none of these companies is capable of validating any aspect of these alleged debts. 

Thank you CFPB, I pray to XXXX XXXX that people who care about what is right for consumers will help me get justice, once, and for all. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation