Consumer complaint received 2018-02-06
Company: EQUIFAX, INC.
State: MT
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:
On XX/XX/XXXX, I graduated from the University of XXXX XXXX XXXX XXXX. I was enrolled full-time at the University XXXX XXXX  for all six semesters of my attendance. Thus, on XX/XX/XXXX, my In-School Deferment Period ended. 

However, XXXX XXXX, negligently and inaccurately calculated my graduation date as XX/XX/XXXX, with my In-School Deferment period ending XX/XX/XXXX. I discovered this inaccuracy after XXXX XXXX falsely reported to the consumer reporting agencies that I was late in making my payments. I have suffered damages as a result of XXXX XXXX 's inaccurate reporting. 

After several attempts to speak with someone at XXXX XXXX, I finally spoke with XXXX ( Employee ID XXXX ) on XX/XX/XXXX at XXXX XXXX Mountain Time. I informed him of XXXX XXXX 's inaccurate reporting. He represented that XXXX XXXX records clearly show that I was in fact enrolled in XXXX school through XX/XX/XXXX. XXXX assured me that XXXX XXXX 's mistake would be fixed within 7-10 days. He also assured me that XXXX XXXX would update this information with the consumer reporting agencies and remove the incorrect information from my credit report. He represented this would be complete by XX/XX/XXXX. 

On XX/XX/XXXX, I checked my credit report, to ensure that XXXX XXXX was abiding by their duty to correct and update account information, as required under 15 U.S.C. 1681s-2 ( 2 ).  Instead, my credit report reflects that XXXX XXXX has continued to provide inaccurate information regarding my student loan repayment status. Again, XXXX XXXX has inaccurately reported that in XX/XX/XXXX I was 90 days late in paying my student loans. This is factually impossible as my student loan payments were to begin in XX/XX/XXXX. 

The same day, I called XXXX XXXX at XXXX XXXX Mountain Time. I first spoke with XXXX ( Employee ID XXXX ) who transferred me to someone to help me file a credit dispute. Then I spoke with XXXX ( Employee ID XXXX ). XXXX, informed me that XXXX provided me incorrect information about my account status, that XXXX XXXX did not make a mistake, and that you were not going to update anything. XXXX, inaccurately stated that I was enrolled less than half-time in the Spring of XX/XX/XXXX. Therefore, XXXX XXXX inaccurately calculated my In-School Deferment period to end XX/XX/XXXX. I explained to XXXX that her information was inaccurate as I was never enrolled less than full-time. She told me that there was nothing XXXX XXXX were going to do about this. 

I dispute XXXX XXXX 's allegation that I was enrolled less than half-time during the Spring of XX/XX/XXXX. Rather, I was a XXXX XXXX XXXX  who received 14 credits during that semester. I have provided XXXX XXXX with verification of my full-time status during the Spring of XXXX. 

XXXX XXXX has provided incorrect information to consumer reporting agencies. They have done so for five months now. The University XXXX XXXX  has not provided inaccurate information to the National Student Loan Database. Rather, they accurately reported that I was enrolled in 14 University  of XXXX XXXX XXXX XXXX credits and one University XXXX XXXX XXXX credit. XXXX XXXX has not diligently reviewed the information provided to that database about my student enrollment status. Because of their failure to diligently review the information that is available to you, I have suffered damages by their inaccurate reporting to the credit agencies.

Company response to consumer: Closed with explanation