Consumer complaint received 2021-09-25
Company: EQUIFAX, INC.
State: OH
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:
To whom it may concern! 


Hi, my name is XXXX XXXX, the reason of filing this complaint is due to some recent reporting on my credit report. Back on XX/XX/XXXX, I received a credit alert that left me in shock when I saw that my credit score when from XXXX and XXXX and XXXX to XXXX in one day. It was my student loan with XXXX and managed by XXXX XXXX XXXX. According to XXXX I was 60 days past due and in a delinquent status. I want to let this agency know that I was not aware of the status in this account because since I have been in school ( XXXX XXXX  in XXXX, XXXX, online ) I was not aware that my forbidden application was expired, I was thinking that as long I have classes register even thought I am waiting for the semester to start my student loan account was going to be in good standing, but unfortunatelly that was not the case. XXXX XXXX XXXX reported my account to the credit bureau as a " 60 days past due delinquent '' and for this reason my score droppep drastically. The reason I am requesting help from " XXXX XXXX '' is because XXXX never sent me a letter to my new address, they did not called or leave a message in my machine. The reason I know the did not acted properly is because when I reached out to XXXX customer service line. As I was speaking with one of the XXXX representative I learned that they did not have my current information in their system, for example ; my new address, but I thought they have my cell phone because I provided to them long time ago, which is XXXX. Please believe me if I have found out on time that my student loan account was past due or that my forbearance application was expired I would get my account current, but I was unaware of everything that it was going on since I was very busy taking care other urgent matters. As per my mailing address since I have recently moved and due to the pandemic and everything going in my life right now I may have forgotten to update the address in the XXXX system. The reason is because during the days I moved to my new address I was also dealing with a legal matter that affected my XXXX years old boy. I want to humbly request this agency to assist me in getting XXXX and XXXX to restore my credit to its original score as it was before XX/XX/2021. If you guys ask for a copy of my credit report you will notice that I have been working very hard to re-build my credit, I have been paying most of my bills on time. My main goal right now is to purchase my own house and when XXXX and Equifax lower my credit score for more than 109 points that made a great damage in my credit report. I even reset my account with XXXX XXXX services and when I logged in to make a payment and get the account current I learned that XXXX has approved me a forbidden application until XX/XX/2021. I believe their decision was based on the fact that they know it was unfair because they never sent me a correspondence or gave me call to make me aware of the status on my student account. Also because I explained to the XXXX representative during our conversation that I was in fact in school and due to a personal emergency I had to drop two classes and re-register both of them for this coming XX/XX/2021. As of matter fact, the exact start day for my classes is XX/XX/2021. Hopefully since they provided me with the forbidden extension until XX/XX/2021 by that day it's pretty sure that the school will have sent XXXX all the updated information for my enrollment status for the " School Deferment '' to be approved by XXXX. Please I beg you to make everything possible for me to have my credit score restored to what it was before XX/XX/2021, which was between XXXX, XXXX and XXXX. My account number with XXXX is as follows : XXXX. Please do not hesitate to contact me in case you guys have any questions or concerns regarding this complaint. My contact information is as follows : XXXX and my email address is : XXXX. 

Thank you very much for your attention to this urgent matter! 

Hoping to here some positive results. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation