Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is now the XXXX  attempt with these companies, and after a very stressful and long time to have the companies have now provided me with positive information. I will follow the rules and not include anything personal. However, I will say that XXXX and XXXX XXXX have now helped me and removed these fraudulent and wrongful and incomplete items off of my Consumer reports and also have provided me with the information stating that this company, or these companies, could not provide them with substantial information or proof that showed this was my debt after they properly investigated, and did their homework the right way. However, Equifax and XXXX XXXX are still giving me problems and I have provided a federal trade commission report which I will upload as well as documentation that at that time I had legal issues and was not at any of the addresses that they had ever lived there nor was I available to attempt to do this at that time because of my legal issues. Which I also have provided proof of. I have always been enrolled in school and I have always taken education. Seriously I am enrolled in XXXX XXXX  right now in which I have always got in state And federal grants and loans to pay for my schooling which are on my credit reports as you can see, and are all in positive condition. I have attended other schools and any time I have attended other schools I have went through FAFSA XXXX, and have paid through the educational programs and the government never have I taken out any personal loans or grants or scholarships, or credit cards to pay for school let alone this particular debt, program, place, Pretend place, collection company, whatever this is is in accurate, and I am done with it. And now that I know XXXX and XXXX XXXX are backing me and have told me the truth, and that this company can not provide proof that this was physically or even provide proof of a signature or anything other than a bill that was going to the wrong address until I found this on my credit report and called them and somehow they got the right address. It is a complete violation of my laws and rights under so many different Fair are reporting credit laws and I am writing them another letter and attaching this consumer financial protection bureau report. All Equifax keeps doing is sending me letters asking me for a copy of my ID and proof of my address which I have already sent them numerous times and have had it notarized which is costing me. This is now my XXXX attempt and I am recording every attempt and I am recording the timeframe. It takes for them to get back to me even though they are delaying and using the delay as a tactic. I am mediately want this removed from equifax, and XXXX XXXX needs to immediately quit, calling me, quit harassing me and quit stating and deteriorating, my character and my privacy and my debts which I do not have and making it like this is mine. Next I will be filing lawsuits on these companies. Because I do indeed have the proof I am licensed in my state in a lot of different fields areas and I do have a XXXX XXXX  and this, however, is that the reason I believe someone took advantage of me and decided to do this Because I am already in XXXX and a professional, and always have been. However, at this particular time I was not enrolled in school it was pre-pandemic, and I had other things in my life going on, that can be proven. Not to mention, I was already XXXX XXXX XXXX and have completed programs and graduated like I said, with my financial aid from the government. If a debt is mine or I owe, I will be fully responsible for, but however, I will not let any person take advantage of me or company or school or anyone for that matter and I am immediately once again writing another federal trade commission report, a consumer, financial protection bureau report I am recording everything, and now I will be contacting my attorneys, because of the attempts, I have had to deal with Equifax. I have not only written Equifax and XXXX XXXX but I have called them as well and told them how serious I am about this because they have now after XXXX XXXX and after XXXX I have approved everything and I have told Equifax this they have now still denied me and said that this debt is verified. They also said that within a XXXX day. They received my first set of information on XX/XX/XXXX and by XX/XX/XXXX which is XXXX  days they had closed it and said that it was verified as accurate, which I know that it did not take them XXXX days to properly investigate after I provided them with everything. Under 15 USC 1681b Erin, 15 USC6802 are just XXXX  of the laws that protect me against with these companies are doing fraudulently, and I will be including this, and 15 USC 1692 and harassment 1692d!

Company response to consumer: Closed with explanation