Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX, XXXX  I am currently looking at my credit report and to my own detriment, I see that your company STILL is reporting my student loans very inaccurately and unlawfully, and I firmlyafter many disputed attempts to have this corrected with your company -- request an immediate deletion of these discrepant items ASAP. 
I can attest to the fact that I have never paid ANY of my student loans late for the entire lifespan of the loans, including years before the pandemic, during and afterwards as I have been on an approved forbearance/deferment. 
I contacted the US DEPARTMENT OF EDUCATION in XXXX of this year, and they show that there was a discrepancy in process ( no fault of my own, and ) my loans are current, no history of late payments and theyve recently traded my student loans to another loan servicer. They stated that they will refresh my credit reports within 45-60 days, which is far too long for me to have to wait as it is adversely affecting my credit accounts. 
Each of my credit reports by all three of the major credit agencies reflect a totally different payment history in regards to my student loans, however, one of t he agencies have no reports of late student payments the entire duration of the loan. 
In accordance with the Fair Credit Reporting Act : The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account names and info : US DEPARTMENT OF EDXXXX ending in XXXX US DEPARTMENT OF EDXXXX ending in XXXX US DEPARTMENT OF EDXXXX ending in XXXX US DEPARTMENT OF EDXXXX ending in XXXX and US DEPARTMENT OF ED beginning with XXXX US DEPARTMENT OF ED beginning with XXXX According to The Negative Information Notice is a requirement of Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act. This rule requires financial institutions to provide consumers with a notice that negative information may be provided to a consumer reporting agency. So, if you're going to provide negative information like they're late, or they missed the payment, something like that, to a consumer reporting agency like XXXX, Equifax, or XXXX, then you have to give consumers this notice under the Fair Credit Reporting Act. 
Furthermore, your company has violated these additional laws : 15 U.S.C. 1681 Section 602 A : States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written or expressed permission and instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information : 1. Any adverse items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Deeply XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation