Consumer complaint received 2018-01-09
Company: EQUIFAX, INC.
State: NC
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:
I have 4 private student loans that show up through Iowa Student Loan on my Equifax credit report only. The other two credit reporting agencies ( XXXX and XXXX ) have removed these loans because they are no longer collectible, but Equifax will not remove them for some reason despite indisputable proof. These loans have been inactive for nearly 9 years, 7 of which show on the credit report, and the statute of limitations on such loans for collections in the State of North Carolina, where I reside is 3 years on installment loans and promissory notes. In every other state where the loans were taken out or where I resided, the statute of limitations was 5 years. I made requests to have them removed in XXXX of XXXX, but Equifax changed the status to disputed by member, but they are still listed as collection accounts. They are still being reported as collection accounts as well ( see below ). I also believe they ( Iowa XXXX XXXX XXXX ) have likely charged off these amounts, yet they still are trying to show me as the responsible party for the debts. 

XXXX Hide Details XXXX XXXX/XXXX/XXXX {$4500.00} XXXX/XXXX/XXXX {$3100.00} CONTACT XXXX FOR STATUS ISL/PRIVATE XXXX XXXX XXXX XXXX XXXX XXXX, IA-XXXX ( XXXX ) XXXX Account Number : XXXX Status : CONTACT XXXX FOR STATUS Account Owner : High Credit : {$4100.00} Type of Account N/A Credit Limit : Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$4500.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : {$3100.00} Date of Last Payment : XXXX Actual Payment Amount : Scheduled Payment Amount : {$43.00} Date of Last Activity : XXXX Date Major Delinquency First Reported : Months Reviewed : XXXX Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Education Loan Date of First Delinquency : N/A Comments : Consumer disputes after resolution XXXX Payment History Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA CA CA CA CA CA CA CA XXXX CA CA CA CA CA CA CA CA CA CA CA CA XXXX CA CA CA CA CA CA CA CA CA CA CA CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment History Key ISL/PRIVATE Hide Details XXXX XXXX/XXXX/XXXX {$2500.00} XXXX/XXXX/XXXX {$1600.00} CONTACT XXXX FOR STATUS ISL/PRIVATE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Account Number : XXXX Status : CONTACT XXXX FOR STATUS Account Owner : High Credit : {$2300.00} Type of Account N/A Credit Limit : Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$2500.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : {$1600.00} Date of Last Payment : XXXX Actual Payment Amount : Scheduled Payment Amount : {$23.00} Date of Last Activity : XXXX Date Major Delinquency First Reported : Months Reviewed : 99 Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Education Loan Date of First Delinquency : N/A Comments : XXXX Payment History Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA CA CA CA CA CA CA CA XXXX CA CA CA CA CA CA CA CA CA CA CA CA XXXX CA CA CA CA CA CA CA CA CA CA CA CA XXXX NR CA CA CA CA CA CA CA CA CA CA CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment History Key ISL/PRIVATE Hide Details XXXX XXXX/XXXX/XXXX {$3400.00} XXXX/XXXX/XXXX {$2400.00} CONTACT XXXX FOR STATUS ISL/PRIVATE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Account Number : XXXX Status : CONTACT XXXX FOR STATUS Account Owner : High Credit : {$2400.00} Type of Account N/A Credit Limit : Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$3400.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : {$2400.00} Date of Last Payment : XXXX Actual Payment Amount : Scheduled Payment Amount : {$33.00} Date of Last Activity : XXXX Date Major Delinquency First Reported : Months Reviewed : 99 Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Education Loan Date of First Delinquency : N/A Comments : 81-Month Payment History Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA CA CA CA CA CA CA CA XXXX CA CA CA CA CA CA CA CA CA CA CA CA XXXX CA CA CA CA CA CA CA CA CA CA CA CA XXXX NR CA CA CA CA CA CA CA CA CA CA CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment History Key ISL/PRIVATE Hide Details XXXX XXXX/XXXX/XXXX {$4300.00} XXXX/XXXX/XXXX {$3000.00} CONTACT XXXX FOR STATUS ISL/PRIVATE XXXX XXXX XXXX XXXX XXXX XXXX, IA-XXXX ( XXXX ) XXXX Account Number : XXXX Status : CONTACT XXXX FOR STATUS Account Owner : High Credit : {$2800.00} Type of Account N/A Credit Limit : Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$4300.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : {$3000.00} Date of Last Payment : XXXX Actual Payment Amount : Scheduled Payment Amount : {$41.00} Date of Last Activity : XXXX Date Major Delinquency First Reported : Months Reviewed : 99 Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Education Loan Date of First Delinquency : N/A Comments : Consumer disputes after resolution 81-Month Payment History Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA CA CA CA CA CA CA CA XXXX CA CA CA CA CA CA CA CA CA CA CA CA XXXX CA CA CA CA CA CA CA CA CA CA CA CA XXXX NR CA CA CA CA CA CA CA CA CA CA CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment History Key

Company response to consumer: Closed with explanation