Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13581414
Complaint Overview
Complaint ID: 13581414
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Massachusetts
ZIP Code: 02149
Date Received: 2025-05-18T12:00:00-05:00
Date Sent to Company: 2025-05-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am reporting for unlawfully reporting federal student loan accounts ( serviced by XXXX ) that have already been deleted by XXXX These accounts contain sensitive educational data protected under the Family Educational Rights and Privacy Act ( FERPA ). Experian has never produced a signed promissory note or legal authorization to disclose this data to third parties, including credit reporting. Under FERPA, my educational records can not be shared without written consent. Under FCRA 609 ( a ) and 623 ( b ), required to verify these accounts with original documentation. Despite repeated disputes, they continue to report these loans as verified without lawful evidence. This is a violation of both federal education and consumer protection laws.
Frequently Asked Questions
What is Complaint #13581414 about?
Complaint #13581414 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-05-18T12:00:00-05:00.
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.