Consumer complaint received 2018-02-05
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/XXXX I emailed a request to the customer advocates office for some corrections and goodwill adjustments. I would like to retract the previous letter & request and submit this as my new replacing dispute. Since my email on that date, I have discovered documentation and traced my history of forbearance month-by-month ; leaving me to suspect a processing error on XXXX behalf. I have taken the time to comb through every email I have in my possession, along with my Account History printed directly from XXXX, XXXX, XXXX. For the record, I do not and agree that XXXX XXXX/XXXX ever accurately reported the status of my loans. These are for loans serviced by XXXX XXXX XXXX reported between XX/XX/XXXX-XX/XX/XXXX for all 19 loan entries under XXXX account # XXXX. 



Attached to this request, you will find a timeline which finitely details every month of my student loans from origination through to payoff/consolidation. It details months I confirmed forbearance, forbearance ended, 30d-60d-90d late, and credit reporting statuses that indicate how they should be reporting. Included in addition is all supporting documentation that proves and validates the accuracy of my timeline and dates disputed. I kindly ask that the corrections be made to my credit report with all three bureaus to reflect the accurate information I have provided. Resulting from these findings, my credit report should be left reflecting ONLY 3 derogatory remarks of a MAXIMUM 90-days delinquency. The dates and only those listed should reflect delinquent for 90 days on all loans serviced : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ALL other delinquent/late remarks on all loans serviced are requested to be adjusted/removed to accurately coincide with the correct information provided. 



The purpose of my message is not to dispute the accuracy of the dates which I find to be truly derogatory. I take full responsibility and understand the importance now of maintaining communication with my loan providers when I am going through hardship. During this period of time, I was a new dad working long hours to support a family. I did not keep up on communicating my situation, allowing my loans to hit the 90-day mark prior to re-applying for forbearance. Since then, I have worked extremely hard to get back on my feet, repair my credit, and begin to build a future for my family. I am at a point now where I have been excitedly beginning the process of homeownership but am being met with the obstacle of significant inaccurate late payments that are reported from XXXX and there is nothing further I can do without the hope of your assistance. The number of derogatory payments being reported are causing denials in any application for loans, mortgages, and low APR credit lines. 



I am asking, as a good will gesture, If so kindly in addition to correcting the inaccuracies, also remove the three 90-day delinquent remarks ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have taken the time to educate myself on how to avoid this from happening in the future, I have taken responsibility, and I have worked extremely hard at bringing all of my loans current, and keeping up a steady pattern of positive payments with the use of Loan Consolidation. Hopefully my efforts will be rewarded and you can see fit to remove or adjust these remarks. I have also attached the statement of my current, consolidated loan with XXXX XXXX XXXX XXXX to show my excellent, timely payment history to date. 



If the lateness can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment. If any supporting information is obtained which causes my dispute to be rejected, I ask that you submit to me any and all supporting documentation which support the decision to not make any changes as requested. If you have any questions or concerns, please feel free to reply by email or by phone. 

Thank you for your time in looking in to this in advance, and for your patience and consideration.

Company response to consumer: Closed with explanation