Consumer complaint received 2015-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been in over a 6 month battle between Equifax AND a student consolidation loan company called XXXX but appearing on my credit file as XXXX. I first started looking into my credit report about 7 months ago just be to be curios on where I stand on credit, well as I was looking I was in shock to see that my student loans that were fully discharged by the Dept. Of Education where still reporting as a collections since the approved discharge XX/XX/XXXX which clearly states in the " Ability to Benefit '' approval letter that all loans that are associated with this student loan discharge will be removed from all XXXX credit reporting agencies, so when I seen that all that time had passed with no update to my credit reports what so ever I immediately started disputing them with Equifax , XXXX and XXXX. I have a Premium membership with Equifax from cases of identity theft so I could constantly monitor everything on my credit and view my updated credit report unlimitedly. At first when I would dispute XXXX XXXX now called XXXX I was having a bit of a problem even after submitting many many documents but finally within a few weeks of my persistence they finally totally removed the collections from them. But yet I had another company to tackle that I was disputing at the same time I was XXXX XXXX and that is XXXX XXXX XXXX XXXX XXXX 's they are reporting on my credit reports in collections but with a {$0.00} balance, and it is very negatively impacting my credit score. You can see on Equifax when I log on that I have disputed XXXX over 20 times and the results of Equifax investigation would ALWAYS be the same despite ALL the paperwork and proof they would possible need to verify I no longer owe that debt and that Dept. of Education clearly stated on the letter to approve me that they where to ALL be REMOVED not to just be updated not to just add a remark and still leave in in collections to completely REMOVE all student loans associated with the discharge which included the company XXXX, after me and XXXX going back to back with my disputes for MONTHS ( I would dispute, they would leave it the same ) over and over again, I finally got fed up and directly called this company ans demanded to speak with a manager her name was XXXX I explained to her everything I am explaining here and that her company is inaccurately reporting me in collections when they should be REMOVED entirely which says so by the Dept. Of Education themselves, at first she was very persistent that I was wrong that they will NOT remove the XXXX accounts from them I have in collections and that was pretty much that and just wait the 7 years for it to fall off, I was furious I knew there were laws against this so I threatened to report her company and then we both hung up the phone, Not even 20 minutes later she called me back to admit that I was RIGHT indeed that she had spoke with her manager and everything I was saying was true. Before I even called them I even sent them about XXXX different documents of evidence of my student loan discharge thinking for sure they would have no doubts, but turned out THEY DID. To date XX/XX/XXXX I have sen them over XXXX faxes called about XXXX to XXXX times only to be told the same answer over and over again " we submitted all tradelines to be completely removed from your credit report electronically ''. After I kept hearing that for weeks but still no update even after they had correspondence with Equifax on XX/XX/XXXX which is AFTER the " electronic notification '' why did it not update then?! I also blame this on Equifax the point of a dispute is to investigate the account reporting information is accurate and to validate the debt, obviously they did not do a thorough investigation over 20 TIMES or this would have been resolved, after showing them proof every time of the discharge as well as I did XXXX.

Company response to consumer: Closed with explanation