{"took":249,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":6,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"13144795","_score":21.252266,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Product : Student Loan Issue : Incorrect information on credit report Account not mine Servicer : MOHELA ( Missouri Higher Education Loan Authority ) Servicing Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account Status : Open ( Multiple Accounts ) Credit Bureaus Involved : XXXX Complaint Narrative : I am submitting a formal complaint against MOHELA regarding several student loan accounts currently reported under my name. These accounts originated with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) and were transferred to MOHELA without my knowledge or consent. \n\nMy Social Security Number was used through the XXXX XXXX XXXX to secure loans I did not authorize. I have previously filed identity theft reports and submitted multiple disputes with credit bureaus and loan servicers. Despite this, these accounts continue to appear on my credit report and are causing significant damage to my financial standing. \n\nThis situation also constitutes a clear violation of FERPA ( Family Educational Rights and Privacy Act ), as my confidential student record and personal data were accessed and used without my authorization. This breach has not been acknowledged or corrected by MOHELA, despite repeated attempts to resolve the issue. \n\nGiven the severity of this data compromise and privacy violation, I am requesting the following : Full cancellation and discharge of all MOHELA-serviced student loans associated with my name Immediate removal of these accounts from all credit bureaus Written confirmation from MOHELA that these accounts have been discharged and closed I am attaching a formal dispute letter and documentation related to this matter. \n\nRequested Resolution : Cancel all MOHELA student loan accounts linked to my personal information Remove all reporting of these accounts from credit bureaus Acknowledge the FERPA violation and confirm permanent resolution in writing","date_sent_to_company":"2025-04-24T05:10:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30339","tags":null,"has_narrative":true,"complaint_id":"13144795","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-04-24T04:58:23.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Product : Student Loan Issue : Incorrect information on credit report Account not mine Servicer : <em>MOHELA</em> ( Missouri Higher Education Loan Authority ) Servicing Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account Status : Open ( Multiple Accounts ) Credit Bureaus Involved : XXXX Complaint <em>Narrative</em> : I am submitting a formal complaint <em>against</em> <em>MOHELA</em> <em>regarding</em> several student loan accounts currently reported under my name."],"company":["<em>MOHELA</em>"]},"sort":[21.252266,"13144795"]},{"_index":"complaint-public-v1","_id":"14547247","_score":15.747956,"_source":{"product":"Student loan","complaint_what_happened":"I am filing a complaint against XXXX regarding their denial of my School Misconduct Discharge application for XXXX private student loans I incurred while attending the Illinois XXXX XXXX XXXX XXXX between XXXX and XXXX. The school engaged in documented misconduct, including misleading students about job placement rates, accreditation status, and career outcomes in my field of study, XXXX XXXX XXXX XXXX. \n\nAs a result of these misrepresentations : I incurred XXXX private student loans through XXXX for a degree that has been rendered effectively worthless. \n\nI was unable to secure employment within my field after graduation, and was forced to accept work outside my field simply to begin repaying these loans. \n\nThe school later lost accreditation, closed, and its parent company faced lawsuits and regulatory action for these deceptive practices. \n\nThe XXXX Department of Education has already acknowledged this misconduct in my federal loan case. On XX/XX/XXXX, I received a formal XXXX XXXX to Repayment discharge for my federal student loans tied to this same misconduct. Despite this clear recognition of harm, XXXX has repeatedly denied my discharge application for the private loans, claiming insufficient evidence even after providing my XXXX XXXX approval letter and a detailed harm narrative. \n\nWhat would you like XXXX to do to resolve your issue? \n\nI am requesting that Navient/Mohela immediately XXXX Reevaluate my School Misconduct Discharge application in light of the federal Borrower Defense XXXX XXXX and the extensive harm I have documented. \n\nDischarge my XXXX private student loans associated with the XXXX XXXX XXXX XXXX XXXX. \n\nWhy is this important? \n\nThe same misconduct that led to my federal loan discharge should apply equally to the private student loans incurred for the same fraudulent education. Denying discharge in the face of acknowledged harm by a federal agency is both unreasonable and harmful to consumers like me. \n\nLoan Numbers : XXXX Signature XXXX & XXXX Signature Student","date_sent_to_company":"2025-07-09T15:47:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Private student loan","zip_code":"60133","tags":null,"has_narrative":true,"complaint_id":"14547247","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-07-09T15:35:13.000Z","state":"IL","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I am <em>filing</em> a complaint <em>against</em> XXXX <em>regarding</em> their denial of my School Misconduct Discharge application for XXXX private student loans I incurred while attending the Illinois XXXX XXXX XXXX XXXX between XXXX and XXXX. The school engaged in documented misconduct, including misleading students about job placement rates, accreditation status, and career outcomes in my field of study, XXXX XXXX XXXX XXXX."],"company":["<em>MOHELA</em>"]},"sort":[15.747956,"14547247"]},{"_index":"complaint-public-v1","_id":"13145022","_score":15.747956,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Product : Student Loan Issue : Incorrect information on credit report Account not mine Servicer : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Servicing Address : XXXX XXXX XXXX, XXXX, MO XXXX Account Status : Open ( Multiple Accounts ) Credit Bureaus Involved : Experian Complaint Narrative : I am submitting a formal complaint against XXXX regarding several student loan accounts currently reported under my name. These accounts originated with XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) and were transferred to XXXX without my knowledge or consent. \n\nMy Social Security Number was used through the National Student Clearinghouse to secure loans I did not authorize. I have previously filed identity theft reports and submitted multiple disputes with credit bureaus and loan servicers. Despite this, these accounts continue to appear on my credit report and are causing significant damage to my financial standing.\n\nThis situation also constitutes a clear violation of FERPA ( Family Educational Rights and Privacy Act ), as my confidential student record and personal data were accessed and used without my authorization. This breach has not been acknowledged or corrected by XXXX, despite repeated attempts to resolve the issue. \n\nGiven the severity of this data compromise and privacy violation, I am requesting the following : Full cancellation and discharge of all MOHELA-serviced student loans associated with my name Immediate removal of these accounts from all credit bureaus Written confirmation from XXXX that these accounts have been discharged and closed I am attaching a formal dispute letter and documentation related to this matter. \n\nRequested Resolution : Cancel all XXXX student loan accounts linked to my personal information Remove all reporting of these accounts from credit bureaus Acknowledge the FERPA violation and confirm permanent resolution in writing","date_sent_to_company":"2025-04-24T05:10:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30339","tags":null,"has_narrative":true,"complaint_id":"13145022","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-24T05:09:44.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Product : Student Loan Issue : Incorrect information on credit report Account not mine Servicer : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Servicing Address : XXXX XXXX XXXX, XXXX, MO XXXX Account Status : Open ( Multiple Accounts ) Credit Bureaus Involved : Experian Complaint <em>Narrative</em> : I am submitting a formal complaint <em>against</em> XXXX <em>regarding</em> several student loan accounts currently reported under my name."]},"sort":[15.747956,"13145022"]},{"_index":"complaint-public-v1","_id":"13145019","_score":15.699566,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Product : Student Loan Issue : Incorrect information on credit report Account not mine Servicer : XXXX ( Missouri XXXX XXXX XXXX XXXX ) Servicing Address : XXXX XXXX XXXX, XXXX, MO XXXX Account Status : Open ( Multiple Accounts ) Credit Bureaus Involved : Experian Complaint Narrative : I am submitting a formal complaint against XXXX regarding several student loan accounts currently reported under my name. These accounts originated with XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) and were transferred to XXXX without my knowledge or consent. \n\nMy Social Security Number was used through the National Student Clearinghouse to secure loans I did not authorize. I have previously filed identity theft reports and submitted multiple disputes with credit bureaus and loan servicers. Despite this, these accounts continue to appear on my credit report and are causing significant damage to my financial standing. \n\nThis situation also constitutes a clear violation of FERPA ( Family Educational Rights and Privacy Act ), as my confidential student record and personal data were accessed and used without my authorization. This breach has not been acknowledged or corrected by XXXX, despite repeated attempts to resolve the issue. \n\nGiven the severity of this data compromise and privacy violation, I am requesting the following : Full cancellation and discharge of all MOHELA-serviced student loans associated with my name Immediate removal of these accounts from all credit bureaus Written confirmation from XXXX that these accounts have been discharged and closed I am attaching a formal dispute letter and documentation related to this matter. \n\nRequested Resolution : Cancel all XXXX student loan accounts linked to my personal information Remove all reporting of these accounts from credit bureaus Acknowledge the FERPA violation and confirm permanent resolution in writing","date_sent_to_company":"2025-04-24T05:10:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30339","tags":null,"has_narrative":true,"complaint_id":"13145019","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-24T05:09:44.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Product : Student Loan Issue : Incorrect information on credit report Account not mine Servicer : XXXX ( Missouri XXXX XXXX XXXX XXXX ) Servicing Address : XXXX XXXX XXXX, XXXX, MO XXXX Account Status : Open ( Multiple Accounts ) Credit Bureaus Involved : Experian Complaint <em>Narrative</em> : I am submitting a formal complaint <em>against</em> XXXX <em>regarding</em> several student loan accounts currently reported under my name."]},"sort":[15.699566,"13145019"]},{"_index":"complaint-public-v1","_id":"13145016","_score":15.669444,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Product : Student Loan Issue : Incorrect information on credit report Account not mine Servicer : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Servicing Address : XXXX XXXX XXXX, XXXX, MO XXXX Account Status : Open ( Multiple Accounts ) Credit Bureaus Involved : Experian Complaint Narrative : I am submitting a formal complaint against XXXX regarding several student loan accounts currently reported under my name. These accounts originated with XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) and were transferred to XXXX without my knowledge or consent. \n\nMy Social Security XXXX was used through the National Student Clearinghouse to secure loans I did not authorize. I have previously filed identity theft reports and submitted multiple disputes with credit bureaus and loan servicers. Despite this, these accounts continue to appear on my credit report and are causing significant damage to my financial standing.\n\nThis situation also constitutes a clear violation of FERPA ( Family Educational Rights and Privacy Act ), as my confidential student record and personal data were accessed and used without my authorization. This breach has not been acknowledged or corrected by XXXX, despite repeated attempts to resolve the issue. \n\nGiven the severity of this data compromise and privacy violation, I am requesting the following : Full cancellation and discharge of all MOHELA-serviced student loans associated with my name Immediate removal of these accounts from all credit bureaus Written confirmation from XXXX that these accounts have been discharged and closed I am attaching a formal dispute letter and documentation related to this matter. \n\nRequested Resolution : Cancel all XXXX student loan accounts linked to my personal information Remove all reporting of these accounts from credit bureaus Acknowledge the FERPA violation and confirm permanent resolution in writing","date_sent_to_company":"2025-04-24T05:10:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30339","tags":null,"has_narrative":true,"complaint_id":"13145016","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-24T05:09:44.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Product : Student Loan Issue : Incorrect information on credit report Account not mine Servicer : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Servicing Address : XXXX XXXX XXXX, XXXX, MO XXXX Account Status : Open ( Multiple Accounts ) Credit Bureaus Involved : Experian Complaint <em>Narrative</em> : I am submitting a formal complaint <em>against</em> XXXX <em>regarding</em> several student loan accounts currently reported under my name."]},"sort":[15.669444,"13145016"]},{"_index":"complaint-public-v1","_id":"16333446","_score":6.55771,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau XXXX XXXX : Formal Complaint and Immediate Enforcement Demand Concerning Sham and Incomplete Reinvestigation by Equifax Regarding Inaccurate Reporting of XXXX Installment Loan Account # XXXX To the Consumer Financial Protection Bureau : I submit this formal complaint against Equifax Information Services LLC ( Equifax ) for its gross and continuing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding my dispute involving inaccurate derogatory reporting on my XXXX installment loan account ( # XXXX ). \nEquifax produced a reinvestigation response dated XX/XX/XXXX ; however that response is incomplete and substantively deficient Equifax made limited file edits but failed to supply verifiable documentation, furnisher contact details, confirmation of human review, suppression of derogatory reporting during reinvestigation, its internal policies/procedures, and the full written verification procedures required by the FCRA. These outstanding deficiencies demonstrate a sham or inadequate reinvestigation and warrant immediate CFPB enforcement intervention. \n( For the CFPB record : my original dispute was submitted via the CFPB XXXX on XX/XX/XXXX ( CFPB XXXX ID : XXXX ). The CFPB XXXX shows Equifax responded on XX/XX/XXXX with a summary stating the item was verified and that Past Due, Balance, and Account History fields were modified. XXXX XXXX and mailed communications did not include the substantive verification documentation or furnisher contact details required under FCRA. ) Summary of Hardship I am a XXXX parent with an XXXX son, currently living in a hotel due to the financial strain caused by MOHELAs actions compounded by the Department of Education 's inaction. My income of {$960.00} per month is dramatically insufficient to meet my living expenses, particularly with hotel rates exceeding {$1100.00} biweekly. The derogatory marks placed on my credit report by XXXX directly prevent me from obtaining necessary funding and housing stability. This ongoing predicament has led to severe emotional distress and places me and my child at risk of eviction. \nDetailed Background and Points of Noncompliance Account : XXXX installment loan ending in XXXX Date opened : XX/XX/XXXX ; Report dates observed : XX/XX/XXXX ( updated as of XX/XX/XXXX ) Reported status : XXXX, 180 DAYS OR MORE PAST DUE, with narrative codes XXXX, XXXX, XXXX reported in inconsistent order. \nReported balance in Equifax file : {$2100.00} ( discrepancies with other records ; original dispute cited {$2100.00} ). \nFirst reported delinquency date on file : XX/XX/XXXX ( disputed sequence of delinquency reporting and chronology ). \nMy dispute and requested actions ( CFPB submission XX/XX/XXXX ) : Reinvestigate account under 15 U.S.C. 1681i ( a ).\n\nDelete or correct inaccurate/unverifiable information.\n\nProvide reinvestigation results and a description of the verification procedure used, plus furnisher name and contact information per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). \nTemporarily suppress the negative/delinquent status during reinvestigation. \nEnclosed supporting documents ( ID, proof of address, credit reports, other evidence ). \nEquifax responses and what they reported : Equifax acknowledged receipt and indicated a reinvestigation completed ( response dated XX/XX/XXXX ; CFPB portal shows company response on XX/XX/XXXX ). \nEquifaxs summary : MISSOURI HIGHER EDUCATION LOAN EQUIFAX VERIFIED THAT THIS ITEM IS REPORTED CORRECTLY. \nEquifax states the following fields were modified : XXXX XXXX, XXXX, Account XXXX. \nEquifax provided a boilerplate description of its general investigation process and stated that furnisher contact details are shown under the resultson the cover letter accompanying a revised credit file. \nComprehensive list of deficiencies, incomplete items, and inaccurate/missing responses from Equifax ( XXXX item below references my original requests and FCRA requirements ; XXXX responses are contrasted with what was required or requested. ) Reinvesitgation completeness XXXX from Equifax : XXXX claimed complete ( XX/XX/XXXX ). \nXXXX : XXXX completion notice is conclusory and unsupported by substantive evidence. The reinvestigation appears limited to electronic exchange with the furnisher and resulted only in limited field edits. \nDeletion or full correction of inaccurate tradeline Requested : Delete or correct unverifiable/inaccurate reporting ( e.g., Over 120 days past due, inconsistent narrative codes ). \nEquifax response : Item verified as reported correctly ; only XXXX XXXX, XXXX, Account XXXX fields were modified. \nXXXX : Equifax did not delete the tradeline nor fully correct the reported delinquency status ; derogatory status remains. \nWritten reinvestigation results and verification procedure details ( XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ) ) Requested : Provide written notice describing procedures used to verify the information and furnishers contacted ( name, address, phone ). \nEquifax response : Boilerplate process description ; no casespecific verification documentation, no stepbystep account of records checked, and no specific verification procedure for this dispute. Equifax referenced a cover letter for furnisher contact info but did not provide the underlying verification records. \nXXXX : Failure to provide the specific verification procedures and supporting documentation used to verify this particular account. \nFurnisher contact details and communications log Requested : Furnisher name, address, phone number, and nature of communications during reinvestigation. \nEquifax response : Generic statement that such details appear on a cover letter accompanying a revised file. \nXXXX : No furnisher contact details or communication log were provided in the materials I received ; absent concrete contact information, I can not verify how the furnisher investigated or what source documents were used. \nXXXX XXXX vs. automated/computer verification ; identity and declaration of human reviewer Requested : Confirmation whether reinvestigation was completed solely by automated means ; if automated, proof that a qualified human XXXX reviewed and validated results INCLUDING name, title, signed declaration ; if not, perform humanled reinvestigation. \nEquifax response : No casespecific statement confirming human review or identification of any human reviewer for this dispute. Only a generic description of transmitting disputes to furnishers and receiving electronic results. \nXXXX : No assurance that a human XXXX reviewed or validated any automated outcome ; no human reviewer identification or signed statement provided. \nSuppression of derogatory reporting during reinvestigation Requested : Temporarily suppress the negative/delinquent status of the disputed tradeline during reinvestigation to prevent ongoing consumer harm ( CFPB guidance ). \nEquifax response : No indication that suppression occurred. \nXXXX : Equifax did not confirm suppression ; derogatory reporting continued. \nTimeliness and documentation of statutory timeframe compliance Requested : Evidence of receipt and completion dates to verify reinvestigation completed within 30 days per FCRA. \nEquifax response : Listed completion date ( XX/XX/XXXX ) but provided no evidence of receipt date, transmission to furnisher date, or timeline documentation. CFPB portal shows company response on XX/XX/XXXX, creating ambiguity about the dates and timeliness. \nXXXX : No clear evidence demonstrating compliance with the XXXX statutory window. \nInternal policies, procedures, quality control, and compliance with prior CFPB enforcement Requested : Provide internal policies and procedures governing FCRA reinvestigations, quality control/supervisory review protocols, and evidence of compliance with CFPB XX/XX/XXXX order. \nEquifax response : None ; no internal policies or QC documentation provided. \nXXXX : Equifax withheld internal documentation necessary to assess whether company procedures comport with FCRA obligations and the CFPB enforcement order. \nDelivery of reinvestigation documentation via portal and mailed correspondence Requested : Provide all reinvestigation documentation through the Equifax portal and by mail ( so I can review what verification was performed ). \nEquifax response : XXXX that a copy of dispute results has been mailed XXXX have been asserted generically ; in practice I have not received substantive mailed documentation or uploaded portal documentation containing verification records. \nXXXX : No supporting documents ( verification records, furnisher responses, communications logs ) were delivered to me via portal or mail. \nSpecific inaccuracies in data still present on file Chronology errors : XXXX shows jump to XXXX days delinquent in XX/XX/XXXX despite apparent activity in XX/XX/XXXX Equifax XXXX not resolve or provide explanation. \nNarrative code inconsistencies : Codes XXXX ( deferment ), XXXX ( 150 days ), XXXX ( XXXX days ) reported in an inconsistent sequence Equifax XXXX not correct or explain sequencing. \nBalance discrepancy : My dispute cited {$2100.00} ; Equifax file shows {$2100.00} ; Equifax modified balance field but did not provide source documentation validating the new amount. \nDelinquency coding ( XXXX, XXXX ) and XXXX 120 days past due remain reported for XXXX XXXX Equifax did not delete or meaningfully correct these codes. \nXXXX characterization of the response as verified Equifax response : Declared the item verified as reported correctly. \nXXXX : Without the verification evidence or furnisher communications, the claim of verification is unsubstantiated and effectively a conclusory assertion rather than meaningful verification. \nAdditional Allegations Willful Noncompliance and Stall Tactics Equifaxs pattern in this XXXX a conclusory verified finding with only limited field edits while refusing to provide supporting documentation and furnisher contact detailsconstitutes willful noncompliance, evasive behavior, and possible stall tactics to avoid transparency and accountability required under FCRA. The failure to provide internal policies and humanreview confirmation exacerbates concerns about adequacy of the reinvestigation. \nRequest for Equifax XXXX XXXX and HumanReview Confirmation ( explicit demand ) I request that Equifax immediately provide, at minimum : A complete copy of its internal written policies and procedures governing FCRA reinvestigations, including any automated matching/verification rules, quality control, and supervisory review procedures. \nA detailed, itemspecific reinvestigation report for account XXXX showing : ( a ) the exact records searched or reviewed ; ( b ) the furnisher ( XXXX ) contacted ; ( c ) copies of all communications exchanged with furnishers and any records furnished by them ; ( d ) the dates and times of all transmissions and receipts ; ( XXXX ) the specific reason ( XXXX ) for each field modification ; ( f ) the identity ( name, title ) and signed statement of any human reviewer who validated the result. \nA clear statement whether any portion of the reinvestigation or verification was completed solely by automated processes. If so, produce documentary proof that a qualified human XXXX reviewed and validated the automated result for this dispute ( name, title, signed declaration ). If human validation did not occur, Equifax must perform and complete a humanled reinvestigation and provide complete supporting documentation. \nProof that any derogatory status was suppressed during the reinvestigation ( if it was not suppressed, an explanation for nonsuppression and the legal basis ). \nSpecific Demands for Immediate CFPB Enforcement I urgently request that the CFPB require Equifax to : Provide a full, substantive reinvestigation of the disputed XXXX account, correcting or deleting any inaccurate data consistent with statutory accuracy standards within XXXX calendar days of this complaint acceptance. \nImmediately provide me with : A complete reinvestigation report and documentation detailing the verification and validation procedures employed ( casespecific ). \nWritten disclosure of furnishers contacted and copies of the communications/exhibits provided to or received from those furnishers. \nXXXX to all reinvestigation outcomes, supporting documentation, and any cover letters via the Equifax consumer portal and in mailed written form. \nTemporarily suppress the disputed derogatory status of the XXXX account during the reinvestigation, in accordance with CFPB recommendations. \nDisclose to the CFPB and me Equifaxs internal policies, procedures, quality control measures, and evidence of compliance with the CFPB XXXX dated XX/XX/XXXX. \nProvide a direct update to the CFPB and to me ; do not close this complaint until full compliance and correction are documented and communicated effectively. \nAdditionally and explicitly : Confirm in writing whether the reinvestigation at issue was completed solely via automated/computerized processes. If any automated processes were used, produce documentation demonstrating a human reinvestigator reviewed and validated the automated result for this dispute, including the human reviewers name, title, and a signed statement of review. If such human validation did not occur, Equifax must undertake and complete a humanled reinvestigation and provide the complete results and supporting documentation. \nDamages & Financial Exposure Calculations Statutory Damages XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Demand : {$1500.00} per violation Violation Amount Failure to conduct reasonable reinvestigation {$1500.00} Failure to disclose verification procedure {$1500.00} Failure to delete unverifiable info {$1500.00} Failure to maintain maximum accuracy {$1500.00} Continuing to report knowingly inaccurate data {$1500.00} Repeated monthly reporting ( 24 months ) {$36000.00} Subtotal Statutory Damages : {$43000.00} Actual & Emotional Distress Damages XXXX & XXXX Denials of credit/loans ( documented ) {$5000.00} Pain, suffering, reputational harm, emotional distress {$15000.00} Subtotal Actual Damages : {$20000.00} Punitive Damages XXXX ( a ) ( XXXX ) For willful misconduct postNorman settlement {$25000.00} Attorneys Fees & Costs XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ) $ XXXX XXXX hours {$32000.00} Filing/service/expert costs {$5000.00} Subtotal Fees/Costs : {$37000.00} Total Minimum Exposure if Litigated : {$120000.00} ( exclusive of interest & ongoing harm ) Relevant Legal and Regulatory Authorities XXXX XXXX. XXXX ( a ) ( XXXX ) : reasonable reinvestigation within 30 days, including furnisher notification. \nXXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ) : written notice of reinvestigation results, verification procedures, and furnisher contact information. \nXXXX XXXX. XXXX ( b ) : reasonable procedures to ensure maximum possible accuracy. \nCFPB XXXX Supervisory Highlights and prior CFPB/FTC guidance XXXX dispute handling and suppression of disputed derogatory items. \nCFPB XXXX to Equifax dated XX/XX/XXXX ( civil penalties for systemic reinvestigation failures ). \nConclusion Equifaxs failure to provide reinvestigation documentation, furnisher contact details, a humanreview confirmation, internal policies/procedures, and the specific verification evidence required by the FCRA despite asserting completion of an investigation and making limited field edits severely undermines consumer rights and the integrity of consumer reporting. The conclusory verified finding without supporting documentation is inadequate and unacceptable under the FCRA. If this matter is not resolved promptly and fully, I will pursue statutory damages and all remedies available under XXXX XXXX. XXXX and XXXX, including attorneys fees and costs. \nXXXX I attest under penalty of perjury to the accuracy and truthfulness of this complaint submitted in good faith to protect my consumer financial rights under federal law. \nRespectfully, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, DE XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Requested immediate actions summary Produce all requested documentation and internal policies within XXXX calendar days. \nSuppress derogatory reporting during reinvestigation. \nXXXX humanled reinvestigation if human validation did not occur and provide signed reviewer statement. \nProvide full written verification records, furnishers contact details, and communications logs. \nConfirm corrections or deletions and provide proof that all CRAs have received corrected updates. \nEmail : XXXX XXXX","date_sent_to_company":"2025-10-02T03:50:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19702","tags":null,"has_narrative":true,"complaint_id":"16333446","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-02T03:36:17.000Z","state":"DE","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Consumer Financial Protection Bureau XXXX XXXX : Formal Complaint and Immediate Enforcement Demand Concerning Sham and Incomplete Reinvestigation by Equifax <em>Regarding</em> Inaccurate Reporting of XXXX Installment Loan Account # 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