Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
I am filing this complaint because Equifax, Experian, and TransUnion are reporting false late payments on multiple federal student loan accounts, including all of my XXXX XXXX and XXXX loans. Every piece of documentation in my possessionincluding all three bureau reportsproves that these accounts were in payment deferment with a $ 0 monthly payment, which makes it legally impossible for any delinquency to exist. Despite this, the credit bureaus continue reporting XXXX, XXXX, and XXXX late payments that contradict each other and directly conflict with federal law, Metro 2 standards, and the information shown within their own reports.

Every account listed below is being falsely reported : DPT EDXXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Accounts : XXXX XXXX In the late-payment files I uploaded, all three credit bureaus show these accounts as open, current, payment deferred, {$0.00} payment due, and {$0.00} past due. This appears repeatedly throughout the tables on pages XXXX, XXXX, XXXX, XXXX, and XXXX in each bureaus report. For example, the Equifax report shows Monthly Payment : {$0.00}, XXXX XXXX : {$0.00}, and a comment of Student loan payment deferred. The Experian and TransUnion reports show the exact same fields with the exact same information ( ). A loan in deferment can not be legally reported late because no bill exists, no payment is required, and no due date exists. 

Despite this, each bureau is reporting completely different late-payment histories for the exact same loans. For example, on the DPT EDXXXX account ending in XXXX, Equifax shows XXXX XXXX late, Experian shows XXXX XXXX lates, and TransUnion shows noneyet all three list the account as Current with Payment Deferred. This contradiction is visible directly in the late-payment tables on pages 8 and 9 of the Equifax PDF and on corresponding pages in the TransUnion and Experian files ( ). The same pattern of contradictory reporting appears in the XXXX  accounts : Equifax shows a single XXXX late, TransUnion shows multiple XXXX lates, and Experian shows no late payments at all, even though all three list Payment Status : Current and Monthly Payment : {$0.00}. 

It is not possible for the same account to be simultaneously current and XXXX, XXXX, or XXXX late. It is not possible for a deferred student loan to have a delinquency because federal billing law requires that a bill must be generated, issued, and due before a borrower can ever be late. These bureaus have been asked to show proof that a bill was issued on the dates they marked late, yet none has provided any documentation.

The data tables in all three PDFs demonstrate clear Metro 2 violations, including : inconsistent Date Opened inconsistent Date of Last Payment inconsistent Date Last Active conflicting 7-year payment history strings Number of Months ( terms ) listed as XXXX in some bureaus and XXXX in others All of these fields appear in conflict across the pages of the uploaded reports ( ). A loan can not simultaneously have XXXX terms and XXXX terms. A Date of Last Payment can not occur when the loan is in deferment with a {$0.00} payment amount. And a Date Last Active can not be different across bureaus if the account is truly being reported in compliance with Metro 2 standards.

On page 3 of the Equifax XXXX, there is confirmation that my personally identifying information was impacted in the Equifax Data Breach, and the National Public Data Breach search also confirms my data was exposed ( ). Because the bureaus rely heavily on third-party data furnishers, public record databases, and matching algorithms, this breach raises serious questions about the accuracy and integrity of the data they are using to report these alleged delinquencies. If my underlying identifiers were compromised, then mismatched, corrupted, or incorrectly merged loan data is entirely possible and consistent with the contradictions I am seeing across all three bureaus. 

The TransUnion XXXX also includes a warning letter at the beginning explaining that bureaus frequently attempt to delay disputes under the assumption that a third party is assisting the consumer ( ). I am including this because the pattern of non-responses and repeated reinsertion of inaccurate information indicates that my prior disputes were not properly investigated as required under FCRA 1681i. A dispute can not be verified when the data itself is contradictory between bureaus and contradicts the federal repayment status of the loans.

For each of these accounts, I am specifically stating that : I never received a bill. 
No payment was ever due. 
No delinquency could legally occur under federal law.

The reporting is contradictory between bureaus.

The reporting contradicts the servicer-reported status of deferment.

The reporting contains Metro 2 inconsistencies.

The reporting uses data that may have been affected by verified data breaches.

The reporting has already been removed by at least one bureau in prior disputes, proving it was not verifiable.

Company response to consumer: Closed with non-monetary relief