Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: DC
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

Complaint:
I have repeatedly placed several diaputes with Equifax to correct an error on my credit report. I do not have a student loan balance with XXXX. My student loan was transferred on XX/XX/XXXX. Equifax refuses to correct their inaccurate and false reporting. This has been reported incorrectly for over 10 years. This is discriminatory and retaliation by Equifax. I do not have an installment loan balance. All of my student loans are paid off thru Public Student Loan Forgiveness plan via XXXX. XXXX has sent me a letter stating that they are not reporting any information to Equifax. XXXX has no record of my loan due to the transfer to XXXX XXXX XXXX over 10 years ago, which the loans were paid off under PSLf by XXXX. I sent the XXXX letter to Equifax to correct their error and Equifax has not corrected my credit report. Please sue for monetary damages on the basis of discrimination and retaliation. I have tried to correct this issue since XXXX XXXX and over several disputes to no avail. Please correct this issue. Equifax continues to lower my credit score everytime a place a dispute. This is retaliation. I have XXXX credit score with XXXX, XXXX credit score with XXXX and Equifax lowers my score down to XXXX and XXXX after each dispute. I have excellent credit. This is discriminatory practices by Equifax. The other two credit bureaus are not reporting this false information on my credit report, only Equifax. Even XXXX has stated in their letter that they are not reporting to Equifax, but Equifax for 10 years has stated and continues to state up to this day that XXXX is reporting every month a student loan balance over {$6000.00} under a installment loan balance and in good standing. The loan was transferred and paid. I have a XXXX balance. XXXX is not reporting anything to Equifax. It is a false investigation, false reports, inaccurate information and clearly discrimination and retaliation. Equifax refuses to correct their errors and continues to ruin and lower my credit scores which hurt my ability to obtain a lower interest rate, if l decide to purchase a car or house. Their low scores has impacted my credit for over 10 years. This should not even be on my credit at all. Its been over 10 years of false reporting and Equifax continues to report false information even to this day. Their investigation is false and inaccurate. The problem is not corrected and they just lowered my credit score again. Ever since l filed over several disputes since XX/XX/XXXX, Equifax has lowered my scores every month for no reason other than retaliation and discrimination. I have called, sent documentation and filed several disputes and nothing is corrected by Equifax. Please investigate, correct and sue for monetary damages! I want my credit report corrected and for Equifax to stop their discriminatory practices!

Company response to consumer: Closed with explanation