Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AS

Complaint narrative:
I am submitting to formally dispute multiple inaccurate and misleading entries currently being reported on my Equifax, Transunion and Experian credit report, which do not accurately represent my verified payment history or account standing. 
Several accounts under XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are being reported with inconsistent payment histories, incorrect delinquency notations, and multiple duplicate entries that appear tied to open or active accounts. These inaccuracies create a false representation of my financial reliability and directly affect the overall accuracy of my credit profile. 
The first account under XXXX XXXX XXXX XXXX XXXX, with a balance of {$22000.00}, opened on XX/XX/XXXX, and last active on XX/XX/XXXX, has been reported with a series of late payments that are factually inconsistent with verified records. The account lists XXXX lates for XXXX and XX/XX/XXXX, XXXX lates from XXXX to XX/XX/XXXX and again in XX/XX/XXXX, a XXXX late in XX/XX/XXXX, and a XXXX late in XX/XX/XXXX. This reporting pattern is excessive, contradictory, and unsupported by any verified documentation indicating prolonged or consecutive delinquencies. My verified financial records confirm ongoing communication and active management of this account, and there is no credible basis for reporting it as delinquent across multiple consecutive months. I am requesting that this account be thoroughly reinvestigated and updated to accurately reflect the verified and correct payment history in compliance with FCRA 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy of the information they maintain. 
Additionally, the XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX, XXXX, XXXX, and XXXX, all reflect a {$0.00} balance, opened on XX/XX/XXXX, with the last activity listed as XX/XX/XXXX. These accounts are currently showing XXXX lates for XXXX and XX/XX/XXXX and 120 day lates from XXXX through XX/XX/XXXX. This information is inaccurate and fails to align with the verified payment documentation provided by the Department of Education and its servicing agency. Each of these accounts has been inaccurately duplicated and tied to a single consolidated open account, yet they are individually reported as separate delinquent trade lines. Reporting identical accounts with late notations under different numbers creates confusion and misrepresents my student loan history. Pursuant to FCRA 1681i ( a ), I am requesting that these accounts be carefully reviewed, corrected, and updated to reflect the accurate and verified account structure, with no unsupported delinquency designations. 
In addition, multiple Late Closed accounts under XXXX XXXX XXXX XXXX are being inaccurately tied to my active open account. Specifically : XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} ( tied to open account ) XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ( tied to open account ) These entries appear to be duplicates of the same credit obligation already reflected under my open account. 
Reporting these closed accounts as separate trade lines distorts my true payment history and implies multiple delinquencies where only a single obligation exists. This reporting practice fails to meet the accuracy standards outlined under FCRA XXXX ( b ) and must be corrected to properly reflect verified, singular account information. 
Lastly, there are Charge-Off accounts reported under XXXX XXXX XXXX XXXX XXXX which also appear to be tied to my open, active accounts. These include : XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ( tied to open account ) XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ( tied to open account ) XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ( tied to open account )

Company response to consumer: Closed with non-monetary relief