Consumer complaint received 2025-07-12 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: IL

Complaint narrative:
XXXX XXXX, Equifax have violated my consumer rights by not updating account pay status Subject : Dispute of Inaccurate Credit Reporting Under the FCRA To Whom It May Concern, I am writing to formally dispute inaccurate and potentially damaging information being reported on my credit file. Upon reviewing my credit report, I noticed that XXXX is reporting my student loan account as being 90 days late, which is inaccurate and does not reflect the actual status of my account. Also it is a violation of my consumer laws by reporting this late payment. 
An Administrative Forbearance was placed on accounts which brought payments current and late payment should be updated as well Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute incomplete or inaccurate information in my credit report. I request that you investigate this matter and correct or remove the erroneous late payment entry from my file.

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 
Specifically, I am disputing the following items : XXXX XXXX Accounts with same account number and same late payment date XX/XX/year> Creditor Name : XXXX Account Number : XXXX Date Reported Late : [ XXXX ] Issue : Reported 90 days late inaccurate for all Nelent Accounts * * * * NO previous late payment reported in XXXX Accurate * * * * * ON TIME REPORTED No prior 30 days late or 60 days late reported in any previous month According to my records, this account should not have been reported as 90 days delinquent. the loan was in deferment In accordance with the FCRA, I respectfully request that you : Conduct a reinvestigation of this information.

Provide a written response outlining the results of your investigation.

Delete or correct the inaccurate information if it is found to be unverifiable or inaccurate.

Enclosed are copies of relevant documentation supporting my claim, including : A copy of my credit report highlighting the incorrect entry Account statements, deferment/forbearance notices, or correspondence with the loan servicer My government issued ID If this item is being furnished by a third-party debt collector, I also invoke my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), including my right to request validation of the debt.

Please complete your investigation within the 30-day period provided by law and provide written confirmation of your findings.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief