Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX New York, NY XXXX Phone : ( XXXX ) XXXX Email : XXXX SSN ( Last XXXX ) : * * * XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : XXXX Subject XXXX Dispute of Duplicate Student Loan Reporting Request for Reinvestigation and Method of Verification ( MOV ) To Whom It XXXX Concern, I am submitting this formal dispute in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). I have identified multiple duplicate student loan accounts on my credit report from XXXX. XXXX XXXX / XXXX, which are materially identical but are being reported as separate derogatory tradelines. These duplicates unfairly amplify the negative impact on my credit profile and violate multiple provisions of the FCRA regarding fair and accurate reporting. 

Detailed Inconsistencies for Loan Opened : XX/XX/XXXX Accounts Reporting : TransUnion : Account # XXXX Equifax : Account # XXXX Experian : Account # XXXX Summary : These accounts represent duplicate reporting of the same loan, yet they contain multiple conflicting data points that raise questions about their accuracy and completeness. 

Key Discrepancies Include : Last Activity Date : TransUnion and Experian report XX/XX/XXXX, whereas Equifax reports XX/XX/XXXX. 

Account Remarks : TransUnion shows no remarks, Equifax classifies it as a student loan, and Experian reports the account as delinquent 180 days past due. 

XXXX XXXX ( XX/XX/XXXX Days Late ) : TransUnion and Equifax both report XXXX, which is mathematically inconsistent because it is impossible to have XXXX XXXX delinquencies without prior XXXX or XXXX delinquencies. Experian reports XXXX, which is also logically inconsistent. 

Months Reviewed : TransUnion reports XXXX  months, Equifax reports XXXX  months, and Experian reports 97 months, reflecting a lack of uniformity. 

XXXX XXXX : TransUnion and Experian report XXXX  months, while Equifax reports XXXX, creating further inconsistency. 

Payment History : TransUnion reports XXXX XXXX on-time payments, Equifax reports XXXX XXXX, and Experian reports XXXX XXXX 

These conflicting and duplicated reports for what appears to be the same loan violate the XXXX XXXX XXXX Acts requirement for fair and accurate reporting and result in an unfair negative impact on my credit profile. 

Requested Action I am requesting a formal reinvestigation of the above-listed accounts. These duplicate entries violate the following sections of the FCRA : 611 ( a ) ( 1 ) ( A ) Right to dispute inaccurate or incomplete information.

607 ( b ) Mandates that consumer reporting agencies maintain reasonable procedures to assure maximum possible accuracy.

602 ( A ) Requires consumer reporting practices to be fair and equitable.

As reaffirmed by the U.S. Court of Appeals in Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ), credit reporting agencies must do more than rely on superficial confirmations they must conduct an independent and thorough reinvestigation. 

Additionally, these duplicated derogatory entries not only misrepresent my level of delinquency but also artificially inflate my perceived risk profile, potentially misleading future lenders and unjustly harming my creditworthiness. 

Please take the following actions : If these accounts are verified as accurate, provide a full Method of Verification ( M.O.V. ) under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), including : Who was contacted How the data was verified The original source of the information If determined to be duplicates, delete the redundant tradelines immediately so that my credit report reflects only accurate, non-redundant information. 

Enclosures : A copy of my State-issued ID ( proof of identity ) A recent utility bill ( proof of address ) I respectfully request that your bureau respond in writing within the XXXX calendar days allowed under the Fair Credit Reporting Act. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief