Consumer complaint received 2025-11-30 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: GA

Complaint narrative:
I am filing this formal complaint and formal dispute alleged late payments reported on my account by the Department of Education, its servicer ( specifically XXXX ), and the systems governing my federal student loans due to multiple, overlapping statutory violations, data integrity failures, and resulting financial harm The core issue is a documented compromise of my personal and financial data, constituting a severe violation of the Family Educational Rights and Privacy Act ( FERPA ), combined with the subsequent reporting of unverifiable and demonstrably inaccurate derogatory information to the XXXX XXXX XXXX  ( FCRA violation ). 

The data breach impacting my information was not a mere inconvenience ; it compromised the educational record and financial information necessary to service this loan. 

FERPA Violation : The integrity of my education records, which includes my personal identifying information, enrollment status, and financial data used for federal aid, is protected under FERPA. The confirmed exposure of this sensitive data demonstrates a catastrophic failure by the custodian of these records ( the Department of Education and its contractors ) to maintain the required security and privacy standards. This lack of data security inherently renders any subsequent record-keeping and reporting ( including debt status ) unreliable.

The compromise of my personal and financial data exposes me to identity theft, financial fraud, and undue stress, which is a direct consequence of the custodians failure. When the foundation of the debt the integrity of the borrower 's records destroyed by the lender/servicer, the debt itself is fundamentally compromised and should be voided.

The failure to secure my data is directly paralleled by the failure to accurately report the status of the debt, further demonstrating the compromised nature of the entire servicing system.

I have ten ( 10 ) trade lines furnished by DEPT OF EDUCATIONXXXX that all contain identical, erroneous derogatory remarks following the recent student loan repayment restart : Reporting Error Detail from Credit Report Argument for Unverifiability/Inaccuracy Inaccurate Delinquency 90-Day Late Status reported for XX/XX/year> on all ten accounts. 

This delinquency is categorically inaccurate and likely tied to the administrative chaos and technical failures surrounding the federal repayment restart. The servicer can not provide a verified payment ledger that justifies this severe, simultaneous delinquency across all accounts, making the data unverifiable under the FCRA.

Incomplete Reporting " ND '' ( No Data ) reported for multiple consecutive months ( e.g., XXXX and XX/XX/year> ). 

The use of " ND '' for payment status across consecutive reporting periods violates the industry standard XXXX XXXX reporting guidelines. By failing to report a verifiable status, the furnisher has rendered the entire tradeline incomplete, misleading, and inaccurate. The inability to report basic payment history confirms the underlying data is broken. 

My Experian report includes the comment : " Completed investigation of FCRA dispute - consumer disagrees. '' This status is evidence of a failed reinvestigation by the credit bureaus. It confirms that the servicer either failed to provide verifiable proof of the debt 's status or provided insufficient data, yet the derogatory mark remains. This places the burden of proof back on the CFPB to intervene against a furnisher reporting unverifiable debt information.

Company response to consumer: Closed with explanation