Product: Credit reporting or other personal consumer reports

After earning my XXXX degree in the month of XX/XX/XXXX, I consolidated my student loans in the month of XX/XX/XXXX. This loan consolidation is reflected within my Equifax and XXXX consumer credit reports as XXXX separate loans from XXXX XXXX, XXXX with original balances of {$4600.00} and {$18000.00} respectively. Both accounts opened on XX/XX/XXXX. After completing my first XXXX XXXX, on XX/XX/XXXX I consolidated my student loans once again, which closed and paid off the full balance of the subject accounts. Over the past year, I have filed several disputes electronically and by mail both with Equifax and XXXX as well as the data furnisher, XXXX XXXX XXXX XXXX XXXX The disputes called attention to a list of inaccurate and incomplete information recorded. Despite several attempts to resolve with the CRA and data furnisher, the inaccuracies have continued to remain on my reports. Although my dispute attempts provided all parties with detailed documentation prepared by the XXXXXXXX XXXX XXXX which proved inaccurate information was being reported, Equifax, XXXX and XXXX XXXX failed to appropriately update the reporting of the accounts. Instead, Equifax and XXXX reports remained materially inaccurate as of the date of this complaint filing. 

Despite multiple attempts to resolve the information discrepancies, the traditional dispute process has proven to be ineffective in resolving the matter. For this reason, this complaint is being filed for the purpose of achieving an appropriate resolution ie. correcting the reporting of the subject accounts with both CRAs, and to call attention to the ineffectiveness of the dispute process, and understand how I can successfully dispute inaccuracies on my report in the future without having to escalate matters. The dispute process is a protection to consumers as described in the FCRA, however this process has proven to be ineffective. A copy of the latest dispute results issued by Equifax and XXXX is attached to this complaint. 

Equifax continues to report several egregious errors including reporting the account status of both accounts as " XXXX XXXX XXXX XXXX '' and reporting obvious inaccuracies to the payment history by listing XXXX account as XXXX days late in XX/XX/XXXX although by that date, the account had been paid in full and closed as of XX/XX/XXXX. 

XXXX currently reports inaccurate information including that XXXX of the accounts was closed a XXXX months earlier ( XX/XX/XXXX ) than the actual close date of XXXX/XXXX/XXXX. IN addition, XXXX falsely reports that the last activity on the account was in XXXX for payment amounts far less than the total payoff. 

While the errors vary by account and CRA report, the full extent of the updates required for this matter to be resolved with XXXX XXXX XXXX XXXX Equifax and XXXX XXXX include updating the following fields as described below : Account Status : Reflect Satisfactory status such as Paid, Closed or Pays as Agreed Status, Terms : Update to XXXX  months, Date of Last Activity : XX/XX/XXXX, Date of Last Payment : XX/XX/XXXX, Payment Amount : total loan payoff, Date Reported : XX/XX/XXXX, Date Closed : XX/XX/XXXX, Comments/Remarks indicating loan was paid in full with refinance on XX/XX/XXXX. Remove payment history showing a XXXX day late payment in XX/XX/XXXX and current payment reporting in XX/XX/XXXX. 

A copy of the latest reporting of this account, as reflected on my Equifax and XXXX consumer reports, is enclosed as an attachment to this complaint. All fields reporting incomplete or inaccurate information requiring update are highlighted in yellow.