Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, This formal complaint is submitted due to continued reporting of inaccurate, unverifiable, and harmful tradelines by both federal and private furnishers. Despite multiple attempts to dispute and verify the accuracy of these records under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), these entries remain unresolved and are contributing to a pattern of credit denials, elevated borrowing costs, and emotional distress. The conduct described herein reflects noncompliance with FCRA 607 ( b ), 611, and 623, and in some cases, the FDCPA. 

Accounts and Legal Violations : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is reporting multiple late payments on a mortgage with a balance of {$970000.00}, opened in XX/XX/XXXX. No original note or payment history has been provided. My dispute under 609 ( a ) ( 1 ) for the original creditor documentation was ignored. The sheer scale of the reported delinquency magnifies the damage of any inaccuracy and violates the standard of maximum possible accuracy under 607 ( b ). 

Department of Education XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Numerous student XXXX accounts under this furnisher are listed with either late payments or charge-offs. These accounts, originally opened between XXXX and XXXX, are reported inconsistently, often with overlapping balances and duplicate entriese.g., separate entries for {$5500.00} and {$7000.00} both charged off and simultaneously marked late. Such duplications not only misrepresent my payment history but create the appearance of excessive debt. This is a direct violation of 1681i and 1681s-2 ( b ) as these inaccuracies were previously disputed and left uncorrected. 

Additionally, any student loan accounts subject to the CARES Act forbearance mandates or administrative holds due to XXXX policy should not reflect delinquent activity from XXXX onward. The furnishing of late payments for periods that should be protected from derogatory reporting is noncompliant with federal guidance. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX A charge-off is reported for just {$66.00}. No prior billing or debt validation letter was received. Under FDCPA 809 ( a ), I was entitled to a written notice within five days of any collection activity, which never occurred. Moreover, reporting a charge-off for such a nominal and potentially disputed amount disproportionately impacts my credit profile. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This tradeline shows repeated late payments on an account with a high balance of {$18000.00}. The accuracy of these entries is questionable due to inconsistent past reporting and missing correspondence. Ive submitted requests for full payment records and copies of the signed loan agreement under 609 ( a ), but none have been provided. 

The pattern of duplicated accounts, unverifiable derogatory marks, and ignored disputes is not just a technical failureit is a systemic violation of my federally protected rights. These inaccurate entries have led to tangible harm, including loan rejections and financial strain, which furnishers and credit bureaus continue to overlook. 

Demand for Relief : Immediate deletion or correction of all accounts listed unless full validation, including contractual evidence and billing records, can be provided. 

Deletion of any duplicative Aidvantage entries to accurately reflect the true number and status of loans. 

Written acknowledgment of actions taken in response to this complaint in compliance with 1681i and 1681s-2 ( b ). 

This submission is made in good faith and in pursuit of enforcement action from the CFPB to restore accuracy and accountability within the credit reporting system.

Company response to consumer: Closed with non-monetary relief