Consumer complaint received 2025-05-21 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, NY XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last Four ) : XXXX Date : XX/XX/XXXX To : TransUnion XXXX Equifax / Experian Subject : Formal Dispute and Request for Deletion of Student Loan Account Dept of Ed/XXXX To Whom It May Concern, I am writing under my rights granted by the Fair Credit Reporting Act ( FCRA ) to formally dispute the accuracy and validity of a student loan account being reported on my credit files. The account appears to be duplicated, contains numerous material inconsistencies, and may constitute unverifiable or inaccurately furnished data. For these reasons, I am demanding a full investigation and, if inaccuracies or duplication are confirmed, immediate removal of the account from my credit reports. 

Account Details Under Dispute Creditor/Servicer Name : Dept of Ed/Aidvantage Account Numbers : TransUnion : XXXX Equifax & Experian : XXXX Balance : XXXX Basis for Dispute and Legal Grounds for Removal This account is reported under different account numbers, conflicting balances, and contradictory payment data across all three major credit bureaus. These reporting errors violate the FCRA, which requires data furnishers and CRAs to report complete and accurate information. 

Key Inaccuracies and Issues : Different account numbers suggest possible double reporting of the same debt.

Balance discrepancies : TransUnion/Experian report {$2100.00} while Equifax reports {$2100.00}. 

Remarks are inconsistent : TransUnion : blank Experian : Account Delinquent 120+ Days Equifax : Student Loan Payment history errors : TransUnion : 0/0/1 ( 30/60/90 ) Experian : 0/0/2 Equifax : 0/0/0 Payment status inconsistencies : TransUnion/Experian : Late Over 120 Days Equifax : 90 Days Late Different past due amounts : TransUnion/Experian : {$160.00} Equifax : {$130.00} On-time payment rate discrepancies : TransUnion : 98 % Experian : 92 % Equifax : 100 % These contradictions suggest inadequate investigation, improper furnishing, and/or outdated or unverifiable data, all in violation of : 15 U.S. Code 1681i ( a ) Reinvestigation of disputed information by consumer reporting agencies 15 U.S. Code 1681e ( b ) Compliance procedures : requiring reasonable procedures to ensure maximum possible accuracy 15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies Requested Actions Immediate reinvestigation of this account across all three bureaus.

If the account can not be verified as 100 % accurate and complete, I demand it be permanently deleted from my credit file.

If you verify the account, I hereby request the Method of Verification ( MOV ) under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), including : The name, address, and telephone number of the data furnisher.

Copies of documentation used in your verification.

A detailed explanation of how the investigation was conducted.

I am attaching a copy of my government-issued ID and proof of address to assist in verifying my identity. Also attached is highlights of the inconsistencies this account been reporting to all three credit bureaus.

Please consider this my formal written dispute and request under the FCRA.

Final Notice Failure to properly investigate, correct, or delete unverifiable or inaccurate information within 30 calendar days may result in further complaints to the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, or legal counsel.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief