Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (VA)

From onset to XX/XX/XXXX I disputed XXXX US Dept of ED Student loans ( accounts # XXXX XXXX, opened on XX/XX/XXXX ) at multiple levels up to the US Dept of Ed OIG as they were fraud/Identity theft ; to my bewilderment, no resolution, forced collection and offset forced my consolidation in XXXX/XXXX/XXXX. On top being forced to take responsibility for fraudulent loans, I am now having these accounts re-aged. For clarity, there are XXXX loans each consisting of XXXX, the servicer, XXXX, the guarantor, and US depart of ED, the lender/collection agency. The credit bureaus and FCRA clearly state that for collection accounts included defaulted student loans the negative information ( collection/default ) will remain on your credit report up to 7 years from the date of the first delinquency leading to collection/default ( Documents XXXX and XXXX ). As noted of Document XXXX, my XXXX credit report dated XXXX/XXXX/XXXX, the account history with the servicer ( XXXX ) for XXXX loans clearly states the date of my first delinquency leading to collection/default " 30 days past due " as of XXXX XXXX '' ( Document XXXX ) and Document XXXX ( XXXX in XXXX report on XX/XX/XXXX with history from XXXX and XXXX reporting such. Oddly Equifax is not ) with removal date of XXXX XXXX. Back to Document XXXX, once in default the guarantor, XXXX is also reporting both accounts on my credit report as opened/defaulted/collection on XXXX XXXX. However this is not the date the seven year clock starts as again the date of first delinquency was as previously stated " as of XXXX XXXX ''. Furthermore as reported on the same account info with the XXXX, the date of removal is not 7 years form collection but to continue on record to XXXX XXXX, in agreement with the original date of delinquency. ( Document XXXX ). I received correspondence from the director of the guarantor agency as I was continuing to dispute the accounts as fraud and provide documentation ( Document XXXX ) Again the date of first delinquency is clear on XXXX XXXX and XXXX of XXXX XXXX. As seen in document XXXX, the XXXX accounts were now in collection with the Dept of ED on my Equifax credit reports of XXXX/XXXX/XXXX and up to XXXX/XXXX/XXXX the original date of delinquency was that of XXXX XXXX. ( Note- As of the XXXX XXXX XXXX XXXX accounts had already fallen off my XXXX credit report yet, oddly, only XXXX of the XXXX loans had fallen off my XXXX report ( I will come back to XXXX in one moment ). As seen in document XXXX, however, between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as seen on my Equifax credit reports when the date the accounts should be falling off my Equifax credit report was approaching the date of first delinquency changed for both accounts to XXXX XXXX as did the entire payment history. I.e. the accounts were reaged. I disputed the XXXX XXXX account again whose investigation results are seen in document XXXX, which now had no history, and updated status, but a message to contact the creditor. I also disputed XXXX accounts through Equifax and my current report is seen in XXXX XXXX. Although the status is stating reinvestigation in process I have contacted XXXX the creditor at the number provided by XXXX and Equifax and all calls were recorded. In short, XXXX informed me the account will be removed on XXXX XXXX of this year. Despite providing the documentation to Equifax, and how the account was updated by their own bureau they put the blame on the creditor. The creditor was extremely rude, claimed not to be the one who verified the dispute, would not inform me who is verifying the information nor whom to contact and blamed it on the bureau ( Equifax ). I can provide all recordings if needed. I am asking that Equifax remove these accounts immediately as according to the FCRA and their own reports the original date of delinquency has been re-aged and accounts should have fallen off report a month ago. Thank you for your assistance. 
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