Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is my 7th dispute for exact same problem with Equifax. Equifax closed previous CFPB complaint XXXX with exact same ridiculous response they have been sending for each of the 7 disputes I have submitted to have them correct their issue!

I had paid off all my student loans. All credit bureaus have been updated automatically except Equifax. I have opened disputes with documented proofs sent to Equifax 7 times in the past 7 months! Every time they keep rejecting and incorrectly report my credit file. IN question are two student loans. XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXXXXXX. Both loans were transferred to XXXX last year due to XXXX directives since XXXX became the new processor instead of XXXX. I had paid off both loans with XXXX. Equifax keep going to XXXX instead of XXXX for verifications and this is where the problem is!!!! XXXX has already confirmed and so did XXXX that these loans have already been paid but Equifax report is showing them both as duplicates, once paid off and once still open. These duplicates that are showing as open must be closed. This problem is only in Equifax report. No other credit bureau has this issue!!! 

This has been causing me severe stress and agony. I cant apply for refinance of mortgage or take out any loan because their report keeps saying that accounts are still open whereas creditors have confirmed in writing that accounts have been closed satisfactorily with XXXX balances. In one of the disputes, Equifax sent me a decision stating that yes both accounts have been closed but yet, they still refuse to update my credit reports still saying that accounts are still open. I am at my wits end. Equifax is not helping. Even today, I have been on call with them for almost 2 hours but to no avail. Asked for manager multiple times to assist and they put me on hold and just disappear. I need to file law suit against Equifax, have my credit file cleared up and get compensation for all the agony they have been causing me and my family for over 5 months. I gave them five months to resolve this issue where they should have been taken care of this issue the first time in legal 30 days period but it has not worked at all for so long already. I NEED HELP!!!

Equifax keeps sending below response instead of correcting their reporting issue : -- - Hi XXXX XXXX, We received your recent dispute correspondence regarding the following item ( s ) on your Equifax credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Our records indicate that a dispute is currently in process for the item ( s ) above. Therefore, we consider this new dispute frivolous and will not research this dispute. The results of your previously submitted dispute will be sent to you within 30 days of the date it was received by Equifax. If you have additional relevant information or documentation to support your previously submitted dispute, you can submit that information by calling us at the number listed below, or mailing new relevant information or documentation to : Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX Please note that if you submit additional relevant information or documentation to support your previously submitted dispute, you will receive a new confirmation number. You also have the right to add a consumer statement to your credit file, which could serve as an explanation of any information in dispute. The consumer statement can be up to 100 words, and will be provided to anyone that accesses your Equifax credit report. You can add, edit or delete your consumer statement on your Equifax credit report for free and at any time by calling us at the number listed below or by mailing a written statement to us at the above address. In addition, we want to make sure you understand your right to have your concerns regarding your Equifax credit report researched free of charge. It is not necessary for you to pay to have someone help you obtain a copy of your credit report or research any items that you question in your file. If you have any questions, please contact us toll-free at XXXX ( XXXX ) or visit equifax.com/personal/credit-report-services/. 
-- -

Company response to consumer: Closed with explanation