Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Formal Dispute of Inaccurate 90-Day Late Payment Reporting Request for Correction To Whom It May Concern, I am writing to formally dispute the reporting of a 90-day late payment for the student loan accounts listed below. This derogatory mark is inaccurate, misleading, and must be corrected under the Fair Credit Reporting Act ( FCRA ). 
Account Name : DEPT OF EDXXXX  Amount : {$7000.00} XXXX Action : Disputed to all three credit bureau companies Reported Error : XX/XX/year> - 90-Day Late Payment Account Name : DEPT OF EDXXXX Amount : {$2500.00} Action : Disputed to all three credit bureau companies Reported Error : XX/XX/year> - 90-Day Late Payment Account Name : DEPT OF EDXXXX Amount : {$4600.00} Action : Disputed to all three credit bureau companies Reported Error : XX/XX/year> - 90-Day Late Payment Account Name : DEPT OF EDXXXX XXXXmount : {$6100.00} Action : Disputed to all three credit bureau companies Reported Error : XX/XX/year> - 90-Day Late Payment Account Name : DEPT OF EDXXXX Amount : {$7400.00} Action : Disputed to all three credit bureau companies Reported Error : XX/XX/year> - 90-Day Late Payment Account Name : DEPT OF EDXXXX Amount : {$4300.00} Action : Disputed to all three credit bureau companies Reported Error : XX/XX/year> - XXXX Late Payment Account Name : DEPT OF EDXXXX  Amount : {$9200.00} Action : Disputed to all three credit bureau companies Reported Error : XX/XX/year> - 90-Day Late Payment Account Name : DEPT OF EDXXXX Amount : {$4600.00} Action : Disputed to all three credit bureau companies Reported Error : XX/XX/year> - XXXX Late Payment Account Name : DEPT OF EDXXXX  Amount : {$3400.00} Action : Disputed to all three credit bureau companies Reported Error : XX/XX/year> - 90-Day Late Payment Account Name : DEPT OF EDXXXX Amount : {$7400.00} Action : Disputed to all three credit bureau companies Reported Error : XX/XX/year> - 90-Day Late Payment These loans were previously under administrative forbearance during the federal student loan payment pause, and I was under the good faith belief that it remained in deferment or forbearance status at the time the reported late payment occurred. 
I did not receive any communication, billing statements, or past-due notices from the loan servicer informing me that payments had resumed, were due, or that the loan was no longer deferred. 
Up until this error my Credit Report has shown On Time payment, even in the month prior to the 90 Day Late Payment status, which directly contradicts the claim that I was 90 days delinquent in 2025. Logically, if I was truly 90 days past due in the months prior. This discrepancy proves that the account reporting is factually inconsistent and should be corrected immediately. 
I am requesting that the 90-day late payment notation for XX/XX/year> be updated to On Time or removed altogether, as it is the result of a servicer communication failure, inconsistent data, and misreporting. 
Please conduct a reasonable investigation into this matter. If the furnisher can not verify that I was properly notified of due dates and delinquency, and if the timeline of late payments can not be supported by factual documentation, the derogatory mark must be corrected or deleted. 
Please provide me with a written response detailing the outcome of your investigation, including the method of verification used and any documentation reviewed. 
Thank you.

Company response to consumer: Closed with non-monetary relief