Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX Trans XXXX XXXX XXXX XXXX XXXX P.O XXXX XXXX XXXX, XXXX, PA XXXX Equifax Equifax Information Services LLC, XXXX. XXXX  XXXX, XXXX, GA XXXX. 

XXXX XXXX, XXXX. XXXX XXXX, XXXX, TX XXXX. 

Subject : Formal Dispute of Inaccurate Charge-offs, Debt Collection, Delinquent Accounts, and Late Payments Under FCRA & FDCPA To Whom It May Concern, The Account In Question Is The DEPTEDNELNET I am disputing the accuracy and validity of the charge-offs, debt collection accounts, delinquent accounts, and late payments currently reported on my credit report.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable reinvestigation and verify disputed accounts with original documentation, including my original, live signature. Collection agencies and other third parties involved typically do not have these original, verified documents because my information has been transferred multiple times. As such, these accounts can not be verified and are inaccurate.

Furthermore, under 15 U.S.C. 1692 ( Fair Debt Collection Practices Act - FDCPA ), I have the right to dispute and demand accurate validation of any debt reported by collection agencies. Failure to provide this validation constitutes a violation of my rights.

In addition, 15 U.S.C. 1681c prohibits the reporting of inaccurate or outdated information, and 15 U.S.C. 1666 ( b ) demands correction of any inaccurate billing or amounts associated with these accounts.

Given these violations, I hereby demand the immediate removal of all inaccurate, unverifiable, and damaging charge-offs, collection accounts, delinquent accounts, and late payments from my credit report.

Please complete your reinvestigation within 30 days as required by law, and provide written confirmation of your findings.

Failure to comply will result in my escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal remedies. 

Thank you for your immediate attention to this serious matter. As a loan servicer, XXXX is responsible for ensuring they have the correct contact details for their borrowers. If they had outdated information, they should have made proactive attempts to update it especially before marking accounts delinquent and reporting to credit bureaus. Servicers must notify borrowers before making significant changes to their accounts, such as transitioning out of forbearance. This is not just a best practice-it is an obligation under consumer protection laws that require lenders to act in good faith and provide borrowers with a fair opportunity to respond before taking negative credit actions! - When I requested a retroactive forbearance, which would have corrected the issue, XXXX refused, placing the full burden on me to check my account. However, borrowers should not have to constantly monitor their loans this RIGHT HERE service negligence we shouldve been notified in a timely manner which wasnt done, This refusal to correct their mistake is unfair and further harms borrowers who had no way of knowing my personal and financial information was compromised without my authorization.

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt. In a court of law that is a breach of privacy my personal and financial information Upon reviewing my records, I have identified discrepancies/misuse of my educational information, I am requesting removal and deletion of any and all student loans from my report if this matter is not resolved, I am prepared to escalate my complaint to the U.S.Department of XXXX XXXX XXXX XXXX XXXX XXXX and file a FERPA complaint with the Family Policy Compliance Office ( FPCO ).

Company response to consumer: Closed with non-monetary relief