Consumer complaint received 2017-06-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear CFPB, I want to file a complaint because my student loan servicer, XXXX that I had until from XX/XX/XXXX until XX/XX/XXXX, since I recently refinanced my Private Student Loan with XXXX XXXX XXXX XXXX and XXXX, has reported my Private Student Loan as, Dispute Resolved By Grantor and it has greatly reduced my Credit Score. I have a VA XXXX XXXX because of my XXXX XXXX  XXXX with the Department of Veteran Affairs. The XXXX XXXX XXXX Discharge also known as XXXX granted my VA XXXX XXXX on XX/XX/XXXX. I have included the copy of that letter from XXXX. After I was granted this VA XXXX Discharge and my student loans were forgiven my student loan servicer, XXXX told me I didnt have to pay on them because they seen I was granted the VA discharge and then turned around and reported XXXX of my federal student loans that were serviced by XXXX at that time as a default status, completely ignoring my VA XXXX Discharge. I also included a letter from XXXX which is the student loan servicer or Grantor of those loans when they were put into a default status by mistake. I had to contact them to get a letter stating how much of the loans had been forgiven for tax purposes in XX/XX/XXXX because my cancellation of debt due to the student loan forgiveness granted on XX/XX/XXXX. I have included that letter from XXXX XXXX as well. I was never late on any loan. Always had either a forbearance while I was out of school or going back to school. The private student loan I paid interest only on for 12 months at one time but I have never paid late or anything. I strongly feel that XXXX is only trying to retaliate against me because they had to discharge the debt due to my VA XXXX Discharge that I was granted on XXXX XXXX, XXXX. At that time after I learned that I was reported as defaulting on my federally funded loans, I contacted my congressman, Senator XXXX XXXX as she filed an inquiry with the Department of Education at that time to get my loans forgiven as I was 100 % by the Department of Veteran Affairs but the XXXX XXXX XXXX Deparment aka XXXX was ignoring my request and my documentation for about 6 months before my Congressman filed an Inquiry and then they finally listened to me. After I learned that I was reported as defaulting on my XXXX student loans with XXXX, I called Senator XXXX and she said to call the CFPB. I was told by CFPB to file a claim or I could simply write to the Credit Bureau and tell them to delete what was inaccurate. I did. I wrote a letter to XXXX as that was the only Bureau that XXXX reported me to as a default ad XXXX deleted it. The problem now is that XXXX has reported again reported me this time to XXXX as a Dispute Resolved By Grantor and that is completely inaccurate. There are 3 loans this time, 2 federally funded loans that were part of my VA XXXX XXXX and my private student loan. It is inaccurate and I need help resolving this. They are trying again to ruin my credit and I dont appreciate it one bit. I wrote a letter on XX/XX/XXXX telling XXXX the inaccuracies and I have included that letter. Please help me with my 3 loans, ( 2 Federal Student Loans and 1 Private Student Loan ) that are being reported inaccurately on my credit file by XXXX. Thank you.

Company response to consumer: Closed with explanation