Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
b'I AM SUBMITTING A FORMAL DISPUTE TO REMOVE INNACCUARATE AND INCOMPLETE DATA FROM MY EQUIFAX CONSUMER REPORT.\n\nNON-MAILABLE ADDRESSES:\n\XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nUnauthorized InquiriesXXXX XXXX XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting.\XXXX XXXX XXXX  - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting.XXXX XXXX XXXX XXXX  This inquiry was not authorized - The following inquiry was not authorized and should not be reporting.\n\nInaccurate Phone Numbers:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnCo-Applicant: I am no longer affiliated with this person and this information needs to be removed\n\n XXXX\n\nXXXX XXXX XXXX  - The date of my last payment is reporting incorrectly - 15 U.S. Code  1666b - Timing of payments (a)Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637(b) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Furnishing this information is also a violation of thePrivacy Act of 1974  ( 5 U.S. Code  552a )(b)Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be  (12)to a consumer reporting agency in accordance with section 3711(e) of title 31.  Again they need prior written instruction of the individual to whom it relates.\n\nXXXX XXXX XXXX XXXX  - Please verify if this belongs to me. - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists.\n\nUnknown - XXXX - Please verify if this belongs to me. - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists.\n\nJXXXX XXXX XXXX XXXX XXXX  - Please verify if this belongs to me. - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists.\n\nXXXX XXXX XXXX  - The date of my last payment is reporting incorrectly - I am writing to formally dispute the handling of my student loan account in relation to violations of my rights under the Family Educational Rights and Privacy Act (FERPA) and my rights as a borrower. Specifically, I am citing 20 U.S. Code  1232g and 34 CFR Part 99, which govern the privacy and disclosure of student records.It has come to my attention that my student loan servicer and/or the XXXX XXXX XXXX may have improperly disclosed, accessed, or misused my personally identifiable information (PII) without my express consent, in direct violation of FERPA. Under 20 U.S. Code  1232g and 34 CFR Part 99, any disclosure of my educational records without proper authorization is unlawful unless an exception applies. I am requesting an immediate investigation into the handling of my records to determine whether unauthorized disclosures or misuses have occurred.Additionally, I believe that my rights as a borrower have been infringed upon through improper servicing practices, lack of transparency in loan communications, or other regulatory violations. I am requesting:1. A detailed explanation of all disclosures made regarding my student loan account, including who accessed my records and under what authority.2. A full review of my loan servicing history to ensure compliance with borrower protections and disclosure requirements.3. Immediate corrective action, if violations are found, including potential redress for any harm caused.4. Written confirmation that my dispute has been received and will be investigated in accordance with XXXX XXXX XXXX policies.Failure to adequately address this issue may result in further action, including a formal complaint with the Family Policy Compliance Office (FPCO) and any other relevant oversight agencies.\n\nXXXX XXXX XXXX  - The date of my last payment is reporting incorrectly - 15 U.S. Code  1666b - Timing of payments (a)Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637(b) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Furnishing this information is also a violation of thePrivacy Act of 1974 XXXX 5 U.S. Code  552a )(b)Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of\n\n1 of 5 communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be  (12)to a consumer reporting agency in accordance with section 3711(e) of title 31.  Again they need prior written instruction of the individual to whom it relates.\n\nXXXX XXXX XXXX - The date of my last payment is reporting incorrectly - I am writing to formally dispute the handling of my student loan account in relation to violations of my rights under the Family Educational Rights and Privacy Act (FERPA) and my rights as a borrower. Specifically, I am citing 20 U.S. Code  1232g and 34 CFR Part 99, which govern the privacy and disclosure of student records.It has come to my attention that my student loan servicer and/or the XXXX XXXX XXXX may have improperly disclosed, accessed, or misused my personally identifiable information (PII) without my express consent, in direct violation of FERPA. Under 20 U.S. Code  1232g and 34 CFR Part 99, any disclosure of my educational records without proper authorization is unlawful unless an exception applies. I am requesting an immediate investigation into the handling of my records to determine whether unauthorized disclosures or misuses have occurred.Additionally, I believe that my rights as a borrower have been infringed upon through improper servicing practices, lack of transparency in loan communications, or other regulatory violations. I am requesting:1. A detailed explanation of all disclosures made regarding my student loan account, including who accessed my records and under what authority.2. A full review of my loan servicing history to ensure compliance with borrower protections and disclosure requirements.3. Immediate corrective action, if violations are found, including potential redress for any harm caused.4. Written confirmation that my dispute has been received and will be investigated in accordance with XXXX XXXX XXXX policies.Failure to adequately address this issue may result in further action, including a formal complaint with the Family Policy Compliance Office (FPCO) and any other relevant oversight agencies.\n\nXXXX XXXX XXXX XXXX XXXX Please verify if this belongs to me. - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists.\n\nXXXX XXXXXXXX XXXX XXXX  - Please verify if this belongs to me. - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists.'

Company response to consumer: Closed with non-monetary relief