Consumer complaint received 2024-12-22 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: TN

Complaint narrative:
Subject : Dispute of Inaccurate Reporting Dept of EdXXXX XXXX Account Ending in XXXX ) Dear Equifax Dispute Department , I am writing to dispute inaccuracies in the reporting of the Dept of Ed/XXXX  account XXXX Account XXXX in XXXX ) on my Equifax credit report. Upon reviewing my report, I identified multiple inconsistencies and errors that violate the Fair Credit Reporting Act ( FCRA ). 

Disputed Inaccuracies 1. Unjustified 90-Day Late Payment ( XXXX ) : The payment history lists a 90-day late payment in XXXX without any progression ( 30- or 60-day late payments ). This is inaccurate and inconsistent with standard reporting practices, and no supporting documentation has been provided to verify this delinquency.

2. Inconsistent Reporting of Balance and Payments : The account reports an increasing balance, yet the scheduled and actual payments for each month are missing or listed as {$0.00}. This is contradictory and does not align with the nature of the account. 
3. Misleading Pays As Agreed Status : While the account is marked as Pays As Agreed, the inclusion of the 90-day late payment in XXXX  is misleading and unjustly harms my creditworthiness. 
4. Omissions in Payment Details : The payment history does not include scheduled or actual payments for multiple years ( XXXX ). This incomplete reporting fails to provide a complete and accurate account overview. 

FCRA Violations 1. FCRA 1681e ( b ) Failure to Ensure Accuracy : Equifax is required to ensure maximum possible accuracy, but the listed discrepancies demonstrate otherwise.

2. FCRA 1681i ( a ) ( 1 ) Duty to Conduct a Reasonable Reinvestigation : Previous disputes failed to resolve these inaccuracies, indicating a lack of a thorough reinvestigation.

3. FCRA 1681c ( a ) ( 5 ) Obsolete Information : The XXXX late payment, if unverifiable, should no longer be reported or factored into the accounts status.

4. FCRA 1681s-2 ( b ) Furnishers Responsibility to Correct Errors : The furnisher ( Dept of Ed/XXXX ) has failed to ensure the accuracy of the reported data. 

Requested Actions 1. Conduct a Reinvestigation : Verify the accuracy of the 90-day late payment and provide supporting documentation or remove the late payment entirely. 
2. Correct or Delete the Account : Update the balance, payment history, and status to reflect the correct information or remove the account if the information can not be verified.

3. Provide Verification Documentation : Supply all supporting evidence used to verify the late payment and account history.

Supporting Documentation 1. Screenshots of the accounts balance and payment history. 
2. My identification documents : Drivers License Social Security Card Proof of Address Your Responsibility Under FCRA 1681i ( a ), Equifax must resolve this dispute within 30 days. If the inaccuracies can not be verified, the account must be corrected or deleted.

Continued failure to address these issues may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies under the FCRA for damages caused by this inaccurate reporting. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief