Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against the three major credit bureaus and the following data furnishers for multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Named Data Furnishers : 1. XXXX XXXX XXXX XXXX ( Account : 421 % utilization error ) 2. XXXX XXXX Bank XXXX ( Charge-off accounts ) 3. XXXX XXXX ( Charge-off account ) 4. XXXX XXXX XXXX XXXX XXXX ( Multiple student loan accounts ) 5. XXXX / XXXX ( XXXX loan accounts ) 6. XXXX XXXX Bank 7. XXXX XXXX XXXX. XXXX XXXX XXXX. 9. Fed XXXX XXXX 10. XXXX XXXX XXXX VIOLATIONS ALLEGED A. VIOLATIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) 1. Failure to Maintain Reasonable Procedures ( 15 U.S.C. 1681e ( b ) ) Case Law : Spokeo, Inc. v. Robins, 578 U.S. 330 ( 2016 ) Case Law : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ) The credit bureaus have failed to maintain reasonable procedures to assure maximum possible accuracy of my credit report. My report contains : XXXX XXXX : XXXX XXXX XXXX XXXX reports 421 % credit utilization ( {$6300.00} balance on {$1500.00} limit ). This is a mathematical error that should have been detected by reasonable procedures. Inconsistent Reporting : Multiple accounts show conflicting information across bureaus ( e.g., XXXX XXXX XXXX loans reported as & quot ; 180 days late & quot ; on some bureaus but not others ). Failure to XXXX Proper Investigations : Under 15 U.S.C. 1681i ( a ), when a consumer disputes information, the bureaus must conduct a reasonable reinvestigation. Past disputes have resulted in mere & quot ; verification & quot ; without substantive review. 2. Failure to XXXX XXXX XXXX ( 15 U.S.C. 1681i ) Case Law : Johnson v. MBNA America Bank, NA, 357 F.3d 426 ( 4th Cir. 2004 ) Case Law : Gorman v. Wolpoff & amp ; Abramson, LLP, 584 F.3d 1147 ( XXXX XXXX XXXX ) The credit bureaus have failed to conduct proper investigations. The Supreme Court inJohnsonheld that credit bureaus can not simply parrot information from data furnishers without independent review. 3. Inclusion of Time-Barred and Obsolete Information ( 15 U.S.C. 1681c ) Case Law : Carvalho v. Equifax Info. Servs., LLC , 629 F.3d 87XXXX ( XXXX Cir. XXXX ) Multiple accounts appear beyond the 7-year reporting period for negative information. Specifically : XXXX of XXXX accounts from XXXX show negative history beyond permissible reporting period XXXX accounts from XXXX show XXXX delinquencies that exceed FCRA reporting limitations 4 . Mixed File Issues ( 15 U.S.C. 1681e ( b ) ) * Case Law : Dennis v. BEHXXXX1, LLC, 520 F.3d 1066 ( XXXX Cir. XXXX ) * My personal information shows multiple former names and addresses that do not belong to me or are outdated. This indicates potential mixed-file issues that contaminate my credit report with another consumer & # XXXX ; XXXX information. B. VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) 1. 15 U.S.C. 1692e False, Deceptive, and Misleading Representations Case Law : Jerman v. Carlisle, McNellie, Rini, Kramer & amp ; Ulrich LPA, 559 U.S. 573 ( 2010 ) The charged-off accounts ( Capital XXXX, XXXX XXXX XXXX XXXX XXXX XXXX are being reported with false information including : Incorrect balances Inaccurate delinquency dates Failure to report accounts as & quot ; disputed & quot ; 2. 15 U.S.C. 1692f Unfair or Unconscionable Means Reporting inaccurate information that damages my creditworthiness constitutes an unfair practice. XXXX CONSTITUTIONAL VIOLATIONS 1. Fifth Amendment Due Process Clause Case Law : Mathews v. Eldridge, 424 U.S. 319 ( XXXX ) I have been denied due process as I am being deprived of economic opportunities ( employment, housing, credit ) based on unverified, inaccurate information without meaningful opportunity to challenge the information. 2. First Amendment Right to Petition the Government My attempts to dispute these inaccuracies have been met with inadequate investigations, chilling my right to seek redress. SPECIFIC ACCOUNTS IN DISPUTE Account Balance Issue FCRA XXXX XXXX XXXX XXXX XXXX {$6300.00} 421 % utilization ( mathematical impossibility ) XXXX ( b ) inaccurate reporting XXXX XXXX Bank XXXX {$470.00} ( CO ) Charge-off with inconsistent reporting across bureaus XXXX failure to investigate XXXX XXXX {$4900.00} ( CO ) Charge-off with conflicting delinquency dates XXXX obsolete info Dept of XXXX / XXXX ( multiple ) Various XXXX lates beyond reporting period 1681c obsolete info Mohela/Navient ( multiple ) Various Accounts from 2005 beyond reporting period XXXX obsolete info XXXX XXXX Bank {$2500.00} Closed account with inaccurate history 1681e ( b ) XXXX XXXX {$0.00} ( CO ) Charge-off reported beyond 7 years 1681c

Company response to consumer: Closed with non-monetary relief