Consumer complaint received 11/25/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Back XX/XX/XXXX I enrolled in school and got a student through XXXX XXXX which is now called XXXX, I only went to this school XXXX XXXX XXXX about 3 weeks well a couple years went by and I started noticing that my student loans where going to be reported to the XXXX program, so last year once I found this info out I immediately contacted XXXX and explained why I dropped out and submitted a form called an Ability to Benefit, not to long after I got a award letter in the mail approving me and XXXX did there investigation and my claims where in fact true, this school enrolled me as a XXXX and gave me no type of testing to enroll. Therefor it is an Ability to Benefit thats exactly why my request to discharge all loans associated with this school was approved. I was awarded the Abilility to Benefit back XX/XX/XXXX at that time I had no knowledge of the items that were being reported on my credit report, I just never really took the time out I was to busy with XXXX children to take care of. But around 6 months ago I started getting curious about my credit so I pulled my credit report from the XXXX website for free. Well I seen that were some major inconsentacies XXXX XXXX and a company I consollidated the student loan with were still being reported even after the Ability to Benefit letter clearly states any loans associated with this discharge are to be removed, Well it never happened I had to call XXXX fax them multiple documents verifying my student loan discharge then they finally reported to the XXXX credit angencies to completely remove any XXXX AKA XXXX XXXX student loans which shortly thereafter reflected on my credit report. Then I moved on to the next collection account that still was reporting my student loans in collections but with a {$0.00} balance, I immediately contacted them sent them numerous faxes of verification documents and even was put on XXXX way wit the XXXX to verify the student loan discharge from XX/XX/XXXX At first they were very persistant on NOT removing the XXXX reporting student loans off of collections and deleted like the Ability to Benefit Document states should and will happen. Well after threatning to report this comapny XXXX AKA XXXX which is the comapany name that is showing on my credit report. I have called XXXX over a dozen of times on the phone for hours trying to get this resolved and the XXXX reporting student loans in collections they are reporting completely off my credit file like they should have been a year ago. This comapny finally agreed to remove these accounts off my credit file and told me they electronically notified all XXXX credit reporting angenies, I have been in constant contact with Equifax and NOTHING has been electronically reported to Equifax to remove these accounts according to the Manager of the department that would have access to electronic notifications that are able to be seen within 24 hours. I now still to this date have XXXX false collection accounts with this XXXX company and I repediately tell them Equifax is NOT receiving watever notification your trying to send them. They then provided me with a XXXX # that would be " proof '' that they requested to equifax that all tradelines from there company be totttaly deleted. This has been over a month ago, I called again today just seems like excuse after excuse, Equifax points the finger at XXXX and vice versa. I just do not know what else to do. These XXXX collections accounts are severely impacting my credit score, and what is even more frustrating is this should have been taken off a long time ago, if it was not for me playing detective and carin to see my credit report ALL of the student loans would still be in collections but at least XXXX was fast to remove them unlike XXXX.

Company response to consumer: Closed with explanation