Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14534782
Complaint Overview
Complaint ID: 14534782
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: Louisiana
ZIP Code: 70403
Date Received: 2025-07-08T12:00:00-05:00
Date Sent to Company: 2025-07-08T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Balance {$19000.00} I recently reviewed my credit report and found a student loan listed under my name associated with XXXX XXXX and/or one of its loan partners. I did not authorize, sign for, or receive any notification of this loan. As a result, this loan may have been fraudulently created, misattributed, or improperly reported. FERPA Violation : Under FERPA ( 20 U.S.C. 1232g ), I have the right to expect that my personally identifiable information ( PII ) from education records is not disclosed without my written consent. If this loan was originated or reported using my student information without consent, this represents an unauthorized disclosure and a direct FERPA violation. FCRA Violation : The FCRA ( 15 U.S.C. 1681 ) protects consumers from inaccurate or incomplete reporting to credit bureaus. Reporting a loan that I did not authorize or agree to is not only inaccurate but damaging to my credit profile and reputation.
Frequently Asked Questions
What is Complaint #14534782 about?
Complaint #14534782 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 2025-07-08T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.