Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am submitting this complaint regarding a serious and ongoing issue with my federal XXXX  loan servicer, XXXX, involving the false and unlawful reporting of a 90-day late payment to the credit reporting agencies. This matter concerns both the integrity of my credit report and XXXX continued noncompliance with federal consumer protection statutes, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the protections afforded under the CARES Act and Department of Educations Fresh Start initiative. 

XXXX originally reported a 90-day late payment on my account for XX/XX/year>. I formally disputed this by certified mail, sent on XX/XX/year> ( XXXX XXXX # XXXX ), and delivered on XX/XX/year> at XXXX XXXX. EST. In that letter, I outlined that this derogatory reporting violated federal regulations and provided proof that my account had been brought current with a payment of {$1200.00} on XX/XX/year> ( Confirmation # XXXX ). 

Rather than acknowledge the dispute and remove the inaccurate XXXX derogatory entry, XXXX subsequently altered the credit report to reflect a XXXX late payment in XX/XX/year>. This retroactive repositioning constitutes willful misrepresentation and is a deceptive practice that appears to be retaliatory in nature. There is no documentation or mailed notice to support that I was delinquent in XX/XX/year>, and the derogatory data was only modified after XXXX received my dispute. 

XXXX response to my certified dispute does not contain any of the documentation required under FCRA 623 or FDCPA 809, nor does it explain how a XXXX delinquency could exist if my account was brought current in XXXX and was under government protections from adverse reporting. Additionally, no mailed notices were ever provided prior to negative reporting, in violation of Department of Education guidance and admittedly by XXXX themselves in letter dated XX/XX/year> signed XXXX XXXX and enclosed. 

This pattern of behavior demonstrates XXXX intent to avoid compliance by manipulating the reported dates. The shifting of the delinquency is not a correctionit is an act of concealment. I request a full investigation and immediate intervention by the CFPB to require XXXX to : XXXX. Permanently remove the inaccurate XX/XX/year> XXXX late payment from my credit reports ; XXXX total subsiderary accounts under master acctount # XXXX XXXX. Provide full validation of the account, including all payment history, mailed notices, and notice of adverse action. 
XXXX. XXXX XXXX is held accountable for willfully furnishing false information after receipt of a certified dispute. 

I have attached the following supporting documentation : - Copy of my final certified dispute letter dated XX/XX/year>XXXX XXXX XXXX  letter dated XX/XX/year> signeXXXX XXXX XXXX Proof of on-time XX/XX/XXXX payment, and timely monthly payments there after - Proof of altered late payment from XX/XX/year>, to XX/XX/year> This complaint is submitted in good faith to rectify improper reporting and to ensure XXXX  is held to the legal standards required of all federal loan servicers under FCRA, FDCPA, and the Department of Educations Fresh Start protections .

Company response to consumer: Closed with non-monetary relief