Consumer complaint received 2025-05-15 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: OR

Complaint narrative:
Letter sent XX/XX/year> to XXXX XXXX XX/XX/year> XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Fax : XXXX Formal Debt Dispute and Validation Request Alleged Student Loan Debt To Whom It May Concern, This letter serves as a formal dispute of the alleged student loan debt your agency claims I owe and a demand for full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Until and unless your agency provides proper and complete validation, you must immediately cease all collection activities and suspend reporting of this account to any consumer reporting agency. 
Under federal law, you are required to validate any alleged debt you are attempting to collect. Mere statements or balance summaries are not sufficient. I hereby request the following : 1. Complete Chain of Custody and Legal Assignment Provide a full, unbroken chain of custody showing the legal transfer of this alleged debt from the original lender to your agency. This must include : The original loan agreement and ownership documentation from the Department of Education or private lender. 
All transfer, sale, or assignment agreements through each intermediary or servicing entity. 
Proof that you have the legal right to collect or report this debt. 
If you are unable to provide these documents, you are not the rightful owner or servicer and have no authority to pursue collection or reporting. 

2. Original Signed Master Promissory Note ( MPN ) Furnish a copy of the original, signed Master Promissory Note ( MPN ). This must : Include my actual, verifiable wet signature or authenticated digital signature logs. 
Be the exact agreement that gave rise to this alleged debt not a reproduction, application, or summary. 
Without a valid contract bearing my signature, there is no enforceable agreement and therefore no obligation. 

3. Detailed Itemized Statement and Balance Calculation Provide a complete, itemized accounting of the alleged debt, including : All principal, interest, fees, penalties, and collection costs. 
A transaction-level ledger showing how the balance was calculated over time. 
Documentation supporting each line item and any alleged payment or deferment activity. 
If you are reporting this debt to any credit bureau, you must also verify that the information reported is accurate, complete, and not misleading, per FCRA 15 U.S.C. 1681s-2 ( b ). Failure to do so may constitute willful noncompliance under federal law. 

Final Notice : Unless and until all requested documentation is provided, I do not acknowledge any liability or obligation regarding this alleged debt. You must : Cease all collection activity Remove or suspend any credit reporting Refrain from further contact, except to comply with this request Any attempt to continue reporting or collecting without providing the above may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney general. I also reserve the right to pursue legal action for any violation of the FDCPA or FCRA. 
I am also writing to formally dispute the accuracy and legality of the student loan tradelines currently appearing on my credit report. These accounts are serviced or reported by XXXX, The XXXX XXXX XXXX filed a class action lawsuit against student loan repayment conglomerate XXXX for abusive and predatory practices. I believe this reporting is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Family Educational Rights and Privacy Act ( FERPA ). 

Accounts in Dispute : Servicer : XXXX Disputed Status : Inaccurate / Unverifiable / Illegally Transferred/ Class action lawsuit FCRA Violations : Pursuant to 15 U.S.C. 1681e ( b ) and 1681i, credit reporting agencies are required to maintain maximum possible accuracy and to conduct a reasonable reinvestigation upon notification of a dispute. 
To date, I have not received a full billing history, signed Master Promissory Note ( MPN ), or lawful chain of custody documentation from the servicer to verify the legitimacy of the loan, its terms, or its accuracy. Without these documents, this account can not legally remain on my consumer report. 

FERPA Violation Improper Disclosure of Education Records : Furthermore, under 20 U.S.C. 1232g ( FERPA ), schools must obtain written consent before releasing education records, including enrollment and financial aid disbursement data. After requesting a FERPA disclosure log and written authorizations from my institution, I found no record of my consent authorizing the release of these records to any loan servicer or third party. 
Therefore, any servicer or data furnisher reporting these loans may have illegally obtained or processed information protected under FERPA, and as such, the credit reporting of this information is not only inaccurate but unlawfully acquired. 

Action Demanded : In light of the above : Delete the disputed student loan tradeline from my credit report immediately. 
Provide me with documentation verifying : Full monthly billing history and transaction ledger Signed MPN ( Master Promissory Note ) FERPA-compliant authorization for any third-party access to my education records Chain of assignment proving legal transfer and servicing rights If these documents can not be produced, the information must be deleted as unverifiable and inaccurately reported, under FCRA 1681i ( a ) ( 5 ) ( A ). 
Failure to resolve this matter within the time allowed by law may result in complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially legal action for noncompliance.

Company response to consumer: Closed with explanation