Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Over the last several years, multiple accounts have been reported on my credit file in a manner that I believe contains inaccuracies, incomplete information, or procedural errors. I am submitting this narrative to describe the full sequence of events, including dates, actions taken, disputes filed, communications attempted, and reasons why I am requesting intervention and review. This account of what happened reflects the information available to me through my credit reports, my payment history, and my attempts to resolve or correct the reporting issues with the companies involved. 

The primary accounts involved are two XXXX  XXXX charge-off files, an XXXX  account that appears under Experian only, a XXXX XXXX  XXXX account, and multiple Department of Education student loan tradelines that were previously in good standing but later reported with extensive late payments. My intention is to explain how each situation unfolded, what steps I took to resolve or verify the information, and why I believe the current reporting may not accurately reflect the actual history of the accounts. 

XXXX XXXX Charge-Off Accounts ( Two Separate Accounts ) There are two XXXX  XXXXXXXX XXXX XXXX  accounts being reported as charge-offs or collections. Both list multiple late payments leading up to charge-off status, and both show closing dates around XX/XX/year>. The first account reports roughly XXXX XXXX dollars past due, while the second reports a past-due balance of over XXXX XXXX dollars. Both show a pattern of 30-day, 60-day, and 90-day late payments.

The problem is that I do not have clear records regarding the timeframe when these accounts allegedly became delinquent. I attempted several times to determine whether these accounts were valid, whether they belonged to me, or whether the balances were correctly calculated. When I first saw the late payments appearing on my credit report, I contacted XXXX XXXX to ask for billing statements, original account documentation, and clarification about when the late payments supposedly started. In those interactions, I was not provided statements or documents that clearly identified the timeline of delinquency. 

When I attempted to dispute these entries through the credit bureaus, the results of the disputes came back as verified, but no details were provided about the method of verification used. I could not obtain a clear explanation as to whether the account information was reviewed manually by XXXX XXXX, verified electronically through automated systems, or relayed through a third-party agency. I also did not receive copies of any documents XXXX XXXX may have used to justify the reporting. As a result, I have been left without the ability to understand how the company concluded the accounts were delinquent, or how the balances reached the levels reported in the charge-off entries. 

I also attempted to contact XXXX XXXX during the period these accounts were allegedly open in order to address any outstanding amounts, but I was not able to access or view current statements. The company did not provide detailed breakdowns of charges, payments, or fees. Because of this, I was not able to resolve the accounts proactively or verify that the amounts being reported were accurate. 

Given that both accounts appear to have similar closing dates, similar patterns of late payment coding, and similar verification outcomes during disputes, I am concerned that automated reporting systems may have been used without full investigation. The unresolved questions include whether the accounts were validated with original creditor documentation, whether the delinquency dates were calculated accurately, whether the amounts are correct, and whether procedural errors occurred during updates and reporting. 

XXXX XXXX XXXX Account The XXXX account in question appears only on the Experian credit report. This account shows a delinquency history leading to derogatory status, including 30-day, 60-day, and 90-day late payments. The reported charge-off occurred in XXXX  with more than XXXX XXXX dollars past due. 

The difficulty in addressing this XXXX account is that I do not recall receiving consistent statements, billing notices, or payment reminders during the time period in which the late payments allegedly occurred. When the account was first reported as derogatory, I attempted to obtain documentation from XXXX, including transaction history, billing dates, original loan or installment agreement information, and payment records. I did not receive detailed documentation explaining how the past-due amount was calculated or how the delinquency timeline developed. 

I also filed a dispute regarding this account with Experian. The result was that the account was verified, but, again, no explanation was provided about the verification method used, what documents were reviewed, or what internal procedures were followed to determine that the account was being reported accurately. I was not provided with statements, screenshots, or any form of documentation from XXXX that could help me understand the origin of the charges or validate the accuracy of the reporting. 

Additionally, because XXXX operates primarily through digital invoices and app-based payment systems, there may have been email delivery issues, login issues, or missed notifications. Without being given clear documentation, I can not confirm whether I received all required notices, whether there were errors in the billing cycle, or whether the amount due is correct. These uncertainties make it difficult for me to verify the account accurately or understand how the derogatory status developed. 

XXXX XXXX XXXX Account The XXXX XXXX collection account lists a past-due amount of XXXX XXXXXXXX XXXX dollars and is marked as derogatory. I attempted to determine the origin of this debt and contact XXXX XXXX, but I was unable to obtain full validation or documentation from the collection agency. I did not receive a detailed statement, original creditor information, or written verification of the debt within a reasonable timeframe. 

When I disputed the account with the credit bureaus, the account again returned as verified, but no documentation or explanation was provided to me. I could not determine whether the debt was assigned or purchased, whether the original creditor still maintains ownership, or whether XXXX XXXX is legally authorized to collect on the debt. Without knowing the chain of custody or the source of the information, I am unable to confirm whether the account is valid. 

Additionally, the small balance of the debt raises questions, as I do not recall being notified by any creditor of an outstanding amount in that range. I also did not receive notices regarding the account being sent to collections, nor did I receive itemized statements or breakdowns of the charges. Because of this, I can not confirm whether the debt belongs to me, whether the amount is correct, or whether the reporting is accurate. 

Student Loan Late Payment Reporting Multiple federal student loan accounts through the Department of Education are reporting extensive 90-day late payment histories, even though those loans have since been closed or transferred. The late payments appear to be from periods where loan servicer transitions or administrative changes may have occurred.

During the period in which the late payments are being reported, there were changes in student loan servicing nationwide, including account transfers, forbearance periods, pandemic-related administrative adjustments, and shifting payment requirements. In my case, there were times when I completed applications for forbearance or deferment, and I believed the loans were under an administrative pause. In some cases, I did not receive timely notices from the servicer notifying me that a payment was due. 

When I reviewed my credit report and saw multiple 90 days late designations for several consecutive months on multiple loan accounts, I began attempting to resolve the issue. I contacted the loan servicer to request payment histories, notice records, and documentation showing whether bills were sent or whether payments were due during the months in question. I was not provided complete or clear documentation indicating whether the loans were in an active repayment phase, in a transferred status, or under some other administrative category during the months coded as late. 

I disputed the student loan late payments with the credit bureaus. The bureaus indicated that the accounts were verified, but no explanation was provided about what records were reviewed. Given the known issues during servicer transitions, I am unsure whether the servicers reporting was accurate or whether there may have been a system error, miscommunication, or reporting delay. 

Actions I Have Taken Across all accounts, I have consistently attempted to obtain validation, statements, documentation, or clear communication from the companies involved. My actions include : Filing multiple disputes with all three credit bureaus.

Requesting validation or verification of debts directly from creditors or collectors.

Attempting to obtain original statements, billing notices, or transactional proof.

Requesting explanation of reporting timelines and delinquency calculations.

Reviewing credit reports from each bureau to compare inconsistencies.

Attempting to resolve or verify unresolved account histories.

Contacting servicers regarding student loan reporting issues.

Despite these efforts, I have not received detailed information, documentation, billing statements, or clarification that would allow me to confirm that the reported entries are accurate.

Why I Believe the Reporting Is Inaccurate or Incomplete There are several reasons why I believe the information may not be accurate : Inability to obtain documentation from furnishers despite repeated attempts.

Lack of itemized statements clearly showing how balances were calculated.

Disputes marked verified without any explanation of how verification occurred.

Possible automated verification processes without manual review. 

Lack of original creditor information in the XXXX XXXX account. 

Potential system errors or miscommunication during student loan transitions. 

Inconsistent reporting between bureaus, such as the XXXX account appearing only on Experian. 

Difficulty determining whether accounts were assigned, sold, or transferred. 

Because of these factors, I can not independently confirm the accuracy of the negative information. 

What I Am Requesting Through This Complaint Through this complaint, I am requesting that the CFPB help facilitate a more thorough review or reinvestigation of these accounts. I am asking that the companies involved provide : Clear documentation showing the basis for the reporting. 

Copies of billing statements, transaction history, and delinquency calculations. 

Proof of assignment or authority to collect debts where applicable. 

Explanation of how verification was completed during my disputes. 

Correction or removal of any information that can not be substantiated. 

My goal is not to avoid legitimate debts, but to ensure that the information being reported is accurate, complete, and supported by real documentation.

Company response to consumer: Closed with non-monetary relief