Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
My name is XXXX XXXX, and I am disputing the late payments being reported for XX/XX/scrub>XXXX XXXX  on my federal student loan serviced by XXXX. I previously disputed this through the credit bureaus and through the CFPB. XXXX responded, but their response did not contain the documentation needed to properly verify the delinquency. 

Below are the main issues, with the laws that apply. 

No proof that repayment had resumed or that a payment was due XXXX did not provide a repayment-resumption notice or billing statement showing that a payment was clearly due for the months leading up to the reported XXXX XXXX late.

* Under the CARES Act, Section 3513, federally held student loans were placed into administrative forbearance, and servicers were required to correctly handle the transition back into repayment. Reporting me late without showing that I was properly noticed and billed is inconsistent with that requirement. 
* Under FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report information they know or should know is inaccurate.

No documentation of contact or attempts to notify me Nelnets response did not include billing statements, due-date letters, emails, or phone logs showing they attempted to contact me before reporting me delinquent.

* Under FCRA 15 U.S.C. 1681s-2 ( b ), once a furnisher is notified of a dispute, it must review all relevant information and correct any incomplete or inaccurate information. If the furnisher is unable to provide records showing proper notice and billing, the delinquency is not fully verified. 

Conflicting data across Experian, TransUnion, and Equifax The Date of First Delinquency, Date of Last Payment, and some of the payment history months differ between the credit bureaus for this same XXXX account. That means at least some of the reporting is incorrect. 
* Under FCRA 15 U.S.C. 1681e ( b ) [ 607 ( b ) ], each credit bureau must follow reasonable procedures to assure maximum possible accuracy of the information it reports. Conflicting dates and histories for the same account show that the information is not maximally accurate and should not be treated as fully verified. 

Failure to ensure accuracy after a dispute I have already disputed these late payments. Despite the inconsistencies and lack of documentation from the furnisher, the late codes are still being reported. 
* Under FCRA 15 U.S.C. 1681i ( a ) [ 611 ( a ) ], when I dispute information, the bureaus must conduct a reasonable reinvestigation and delete or correct any information that can not be verified. Continuing to report the late payments without clear proof and with conflicting dates violates this obligation.

Metro 2 education-loan reporting standards are not being followed The account does not show a clean and consistent status history between forbearance/on-ramp and repayment. Metro 2 ( the credit-reporting format used by the bureaus and furnishers ) requires education loans to be reported with accurate status codes and consistent date logic. The inconsistent dates and lack of clear status history suggest that the account is not being reported in a manner that meets industry standards for accuracy. 

Because the servicer did not provide adequate documentation to support the delinquency, and because the data being reported by the bureaus is inconsistent, I believe the XXXX XXXX late-payment reporting is inaccurate and not properly verified.

Company response to consumer: Closed with non-monetary relief