Consumer complaint received 2025-07-24 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: MD

Complaint narrative:
I am writing to formally file a complaint and request immediate investigation into fraudulent and altered student loan documents that have been attributed to my name. These documents contain multiple inaccuracies and inconsistencies, and I am requesting that the debts associated with them be permanently removed and the matter closed. 

XXXX. Altered Student Loan Documentation : The signature shows XX/XX/XXXX but the school period states XX/XX/XXXX then a Illegible signature was added to the bottom with the date of XXXX of XXXX The section of the document for Area XXXX has a check mark and a X indicating both boxes have been answered I have received loan documentation in which Section XXXX of the loan document includes XXXX boxes checked a clear red flag suggesting the document has been altered. In addition, the signature presented is not mine and the Social Security Number listed ends in XXXX, which does not match my SSN. I have never consented to or signed this agreement, and the alteration of these records raises serious concerns of identity fraud and misrepresentation. Despite bringing these concerns to the attention of the loan servicer, they have yet to provide valid documentation or verification of authenticity. They themselves acknowledged that the documents appear altered, yet the debt remains on my record. 

XXXX. Fraudulent Parent PLUS Loan ( XXXX XXXX  ) : There is also a Parent PLUS loan associated with XXXX XXXX  listed in my name. I want to be clear that I have never attended XXXX XXXX  nor did I authorize any loans connected to this institution. I have requested proof of the promissory note and supporting documentation, and to date, they have failed to provide any original, verifiable documents. The documents they did provide lack an official school seal and do not contain a financial aid officer 's signature, rendering them illegitimate. They have yet to provide me with a signed copy of a promissory note completed and signed by me. Furthermore, they include stamps and markings from third-party companies that are not affiliated with or recognized by the institution in question. 

XXXX. Interest Rates and Fee Discrepancies : When I asked for payment requirements and history I was sent a Document that had been whited out and handwritten This document was originally supposed to be typed in but you can clearly see that information and figures were whited out. 

Many of the documents also lack clear indication of interest rates or repayment terms, which further calls into question their legitimacy. Proper procedures under the Truth in Lending Act were not followed, and no accurate or complete promissory note has been signed by me or issued under my verifiable identification. When I told them that I do not owe this this is not my balance they claim that the loan was consolidated by me years later and provided this loan consolidation form when I asked for proof that's clearly not a legitimate document XXXX. Request for Resolution : This matter stems from a period dating back to XXXX, and I have made repeated good-faith efforts to resolve it. Given the substantial evidence of document tampering, inconsistencies in personal information, and the lack of legally binding agreements, I am formally requesting that these fraudulent loans be permanently removed from my credit report and any collections activity be ceased immediately. I also request a full audit of how these debts were applied to my name without proper verification and that all records be corrected accordingly.

Company response to consumer: Closed with explanation