Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX, I filed for a Total and Permanent Discharge of my loans with the Department of Education XXXX XXXX XXXX XXXX. On XX/XX/XXXX, the Department of Education approved my application for my loans to be discharged. On XX/XX/XXXX, XXXX, the XXXX XXXX XXXX XXXX XXXX Servicer for the Department of Education sent XXXX notice to transfer my loans to XXXX for discharge. On XX/XX/XXXX, XXXX sent me an email stating that my XXXX XXXX XXXX XXXXXXXX discharge application was approved by the U.S. Department of Education on XX/XX/XXXX and that XXXX sent a request to have XXXX transfer my loans to XXXX on XX/XX/XXXX. On XX/XX/XXXX, XXXX zeroed out my loans and transferred my loans at XXXX balances to the XXXXXXXX XXXX XXXXXXXX XXXX XXXX, which is XXXX for discharge. On XX/XX/XXXX, I filed a dispute with Equifax against XXXX because on Equifax reports stated that I still owed XXXX for Student loans in the following amounts {$2300.00}, {$2300.00}, {$3700.00}, {$1900.00}, {$5700.00}, {$2900.00}, {$3700.00}, {$1000.00}, {$4800.00}, {$2800.00}, {$1500.00}, {$2400.00}, {$3200.00}, {$5100.00}, {$3500.00} and {$4800.00}. On XX/XX/XXXX, Equifax had finished its re-investigation of my disputes and reported that Equifax verified that XXXX had verified the following loans in the amounts of {$2300.00}, {$2300.00}, {$3700.00}, {$1900.00}, {$5700.00}, {$2900.00}, {$3700.00}, {$1000.00}, {$4800.00}, {$2800.00}, {$1500.00}, {$2400.00}, {$3200.00}, {$5100.00}, {$3500.00} and {$4800.00} as accurate and that I owe XXXX for those Student loans. On XX/XX/XXXX, XXXX had written a letter dated XX/XX/XXXX stating XXXX had notified me in a previous letter that the Department of Education had recently approved my discharge application on my Student loans. The letter went on to say that XXXX assists the Department of Education in administering the XXXX XXXX XXXX XXXXXXXX XXXX process. The letter goes on to say that XXXX stated that XXXX had received my loans and the Department had discharged my loans. The previous letter that XXXX is referring to is a letter that had been sent to me in XX/XX/XXXX. 
On XX/XX/XXXX, I filed another Dispute with Equifax against XXXX. On XX/XX/XXXX, Equifax had finished its re-investigation of my dispute and Equifax stated that XXXX had verified with Equifax that the following loans in the amounts of {$4800.00}, {$4800.00}, {$2400.00}, and {$3700.00}, have been updated and reported correctly. On XXXX/XXXX/XXXX, XXXX had responded to the complaint that I had filed against XXXX with the Consumers Financial Protection Bureau. XXXX provided a response that stated that XXXX had sent XXXX notification on XX/XX/XXXX to have XXXX transfer my loans for discharge to XXXX. Also, on my Student loan database on the Studentaid.gov website shows a XXXX balance on all of my loans. XXXX had informed me on XX/XX/XXXX that XXXX sent XXXX my loans on XX/XX/XXXX for discharge. On my Credit Report dated XX/XX/XXXX, sent to me by Equifax, it shows that I still owe XXXX for student loans in the amounts of {$4800.00}, {$2900.00}, {$3200.00}, {$5700.00}, {$1000.00}, {$2300.00}, {$1500.00}, {$3700.00}, {$3500.00}, {$1900.00}, {$3700.00}, {$5100.00}, {$4800.00}, {$2800.00}, and {$2400.00}. On XX/XX/XXXX, XXXX sent a letter to me showing that loans for A TOTAL AMOUNT OF {$50000.00} had been zeroed out and transferred by XXXX to XXXX with XXXX balances on XX/XX/XXXX for discharge. Overall, I don't owe XXXX for Student Loans because my loans had been discharged by the Department of Education at XXXX balances on XX/XX/XXXX and XXXX had transferred my loans to XXXX for Discharge of my loans at XXXX balances on XX/XX/XXXX, therefore there should be no reason why in XXXX and XXXX Equifax has continued to report on my Credit Report and Disputes that I owe XXXX for Student Loans, even though, XXXX is no longer my loan servicer and my loan accounts have been discharged at XXXX balances by the Department of Education.

Company response to consumer: Closed with explanation