Consumer complaint received 2025-05-18 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: MN

Complaint narrative:
Experian, Equifax, and TransUnion have completed their investigation, and I disagree with their result. They continue to report my student loans as 120 days delinquent, and if they had completed their investigation appropriately. Equifax has repaired XXXX of the XXXX accounts. However, they have not repaired the remaining accounts. I have been disputing their reporting since XXXX, and this company continues to send their computer-generated information that their investigation is valid. 
I am writing to formally dispute certain inaccurate and unverifiable information on my credit report per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I have been disputing the following items since XX/XX/XXXX and have made little progress with this company. When I submit my disputes, I receive the same computer-generated letters repeatedly. There has not been any solution to my specific situation. I have continued to send and resend the same documentation repeatedly. 
Upon reviewing my credit report, I have identified the following item ( XXXX ) that I believe to be inaccurate, incomplete, or not verifiable. I have appropriate documentation that I have filed with the FTC and CFPB. I have sent affidavits and other documents proving my identity and correct address. The documentation I have sent over the past several months appears to be ignored because my address is still incorrect. There are unknown addresses listed and incorrect names listed on my credit report. My basic information still has not been corrected, leaving me very concerned that the most damaging items will not receive the attention this situation deserves. 
Items such as XXXX and the incorrect history reporting have not been updated. I have also sent copies of your previous reports from XXXX of XXXX proving that I was not delinquent in my student loan payments. Your company, the CRA, provided that information. My student loans have been in good standing until XXXX of XXXX. In XXXX of XXXX, you reported I was 120 days delinquent on all XXXX of my student loans. However, the notes on the credit report you provided show that each month I was in deferment, including the date of XX/XX/XXXX. XXXX continues to report that my loans were due for payment when they were not only in deferment but also did not have my correct home address, phone number, and email address. XXXX never sent any documentation stating that I was 30-, 60-, or 90-days delinquent.

Legal Basis for My Dispute Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), when a consumer disputes the completeness or accuracy of any item of information, the credit reporting agency is obligated to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

Furthermore, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires that if the investigation does not verify the disputed information, it must be deleted from the consumers file.

Since you have verified this information by the furnisher over the past several months, I am requesting that you provide : A copy of the results of your investigation ( according to 1681i ( a ) ( 6 ) ).

A description of the procedure used to determine the accuracy and completeness of the disputed information ( 1681i ( a ) ( 6 ) ( B ) ( ii ) ).

The name, address, and telephone number of the furnisher of the information, as required under 1681i ( a ) ( 6 ) ( B ) ( iii ).

Impact of Inaccurate Reporting The presence of this inaccurate information has caused me tangible harm, including but not limited to : Denial of credit and financial opportunities allowed me to sustain my business and support my family successfully, and now I am a risk to any employer. 
I have experienced increased interest rates on loans, credit cards, and insurance, and challenges with appropriate housing for my family. 
Emotional distress and reputational damage because I cant sustain my business to support my family. 
I urge you to take this matter seriously and promptly correct or delete the erroneous data. Suppose your investigation concludes that the item is accurate. In that case, I expect a detailed explanation and supporting documentation validating the item, which I may forward to the Consumer Financial Protection Bureau ( CFPB ) if necessary. 
Experian has my affidavit, which was signed in XX/XX/XXXX, and correspondence from XXXX, but XXXX and the CRA did not have my contact information. The CRA continues to use incorrect information in my personal information. The CRAs have the police reports, affidavits, copies of my passport, lease, bank account, social security card, and utility bills. However, they continue to verify inaccurate information.

Company response to consumer: Closed with non-monetary relief