Consumer complaint received 2025-11-24 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: NC

Complaint narrative:
I am submitting this complaint because Experian, Equifax, and TransUnion continue to report inaccurate, inconsistent, and misleading information regarding multiple MOHELASERVCN student loan accounts, revolving accounts, and a closed XXXX account, even though my payment records, banking confirmations, and servicing logs clearly demonstrate that the late payment patterns they are reporting never occurred in the manner shown. Under FCRA 602, I have the right to fair and accurate reporting; under FCRA 611, I have the right to dispute incomplete or inaccurate data ; and under FCRA 623 ( a ) ( 2 ) and 623 ( b ), furnishers and bureaus must correct and update all information found to be inaccurate after reinvestigation. Despite this, the bureaus continue to display late sequences that conflict with the documented payment history I have maintained. Across all three bureaus, my various XXXX accounts including balances of {$52000.00}, {$5800.00}, {$3200.00}, {$4600.00}, {$7900.00}, {$12000.00}, {$6600.00}, {$6100.00}, {$7900.00}, {$12000.00}, {$6500.00}, {$6100.00}, and {$3200.00} are showing identical clusters of late payments such as XXXX lates for XX/XX/XXXX and XXXX lates stretching from XX/XX/XXXX through XX/XX/XXXX or XX/XX/XXXX, depending on the bureau, even though those months were heavily impacted by nationwide servicing delays, system resets, posting interruptions, and acknowledged XXXX processing errors. My own records show that payments were submitted on time, cleared on time, and confirmed via email or portal receipts. Additionally, certain bureaus are reporting late XXXX  days for XX/XX/XXXX or late XXXX  days for XX/XX/XXXX, even though those payments cleared within the billing cycle, and I have proof of early submission for those periods. Across Experian, Equifax, and TransUnion, the XXXXXXXX XXXX XXXXXXXX XXXX XXXX account * * is showing XXXX and XXXX lates for XXXX and XX/XX/XXXX, but these were months in which I paid ahead of schedule and even followed up with the bank to confirm posting, meaning these late notations stem from internal processing delays not actual delinquency. The XXXX  XXXX  XXXX * account is also being reported with a XXXX late, although the payment for that cycle cleared early and I retained the timestamped confirmation. Finally, all three bureaus show XXXX XXXX * * ( balance {$0.00} ) * * as XXXX late in XX/XX/XXXX, even though the account was already closed and fully satisfied before that date, making it impossible for new late activity to occur. The pattern of duplicate late sequences, extended delinquencies, conflicting balances, and impossible late dates indicates that none of the XXXX bureaus conducted a proper reinvestigation as required under FCRA 623 ( b ). I have repeatedly disputed these items with each bureau, submitting documentation, but the inaccurate information continues to reappear or remain unchanged, causing ongoing damage to the integrity of my credit profile.

Company response to consumer: Closed with explanation