Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12719382
Complaint Overview
Complaint ID: 12719382
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Maryland
ZIP Code: 20747
Date Received: 2025-03-28T12:00:00-05:00
Date Sent to Company: 2025-03-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally request the immediate discharge of my federal student loans due to a data breach that has compromised my personal and financial information. This breach, supported by the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ), has exposed sensitive data, putting me at significant risk of identity theft and financial harm. Under federal law and data protection policies, when a breach occurs due to the negligence or failure of a federal agency or its affiliated contractors, affected individuals should not be held responsible for financial obligations arising from compromised data. Given the circumstances of this breach, I request that my student loans be immediately discharged in full. I kindly ask that you provide a written confirmation of the discharge and update my credit report to reflect the removal of these loan obligations. Additionally, I request documentation outlining the next steps and any further actions required on my part. Please confirm receipt of this request and provide a response within 30 days.Should you require any further information, I am happy to provide additional documentation to support my request. I appreciate your prompt attention to this urgent matter.
Frequently Asked Questions
What is Complaint #12719382 about?
Complaint #12719382 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-03-28T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.