Consumer complaint received 2024-01-11 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: MS

Complaint narrative:
The following student loan accounts were disputed for reporting inaccurately 90 day late payment for XX/XX/XXXX with XXXX, XXXX and Equifax in XX/XX/XXXX. All XXXX accounts were investigated, corrected and reporting pays as agreed/never late account status on these student loans. On XXXX XXXX I received credit report alerts and email from XXXX stating that " my reinvestigation request '' was complete, and that the accounts were added back to my consumer report and reporting the 90 days late again.I called all XXXX credit agencies to have accounts corrected and updated once again. I explained that the accounts had been previously disputed and updated and that I, in fact, DID NOT request a reinvestigation as the email stated, nor was the information correct. 
I called the student loan servicer, XXXX, as well as logged into the portal to request the account history and to obtain any additional documentation that I could present to the credit agencies so that this can deleted from my consumer report immediately. The student loan servicer stated that they do not show the negative accounts being reported and my accounts were transferred to them in XXXX, and no negative account status reporting on their end ; nor do they show the accounts numbers that XXXX reports on my consumer report. 

Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$3900.00} 90 days late XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$5100.00} 90 days late XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$4800.00} 90 days late XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$7800.00} 90 days late XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$1500.00} 90 days late XX/XX/XXXX I also declined the offer to put a security lock and statement of fraud alert on my consumer report. I was given a confirmation Number from XXXX and that this fraud alert statement and lock would be removed from all XXXX credit bureaus on XX/XX/XXXX, but it was not removed and still reporting on my consumer report. 

Numerous calls, reports and FTC report and letters to XXXX to remove unknown and unauthorized inquiries from report. They continue to state that they have not received reports, etc. Keeps providing different mailing addresses to send disputes and documents, then when i call to follow up, a different agent gives me different information. This has went on since XX/XX/XXXX. 

Equifax is reporting inaccurate information and only one account showing on the online portal, my credit score is showing over XXXX point difference due to inaccuracy and also has been reported to an entity that my score was much lower than the score I paid online to obtain ( which was still incorrect ). I can not access my credit file from Equifax online and constantly being told that I have to wait for my credit report and score to come via mail for accuracy ... .in which I never receive the score and the credit report is still inaccurate after waiting over one week to receive each report via mail.

Company response to consumer: Closed with explanation