Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Errors and Discrepancies on DEPTEDXXXX Student Loan Account To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of my DEPTEDXXXX student loan account, as reflected in my credit reports provided by XXXX and Equifax. I have identified multiple discrepancies and errors in the reported information that violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ). 
The following are the details of the disputed account and discrepancies : Account Number : XXXX High Balance : {$6000.00} Date of Last Activity : XXXX XXXX XX/XX/XXXX ; Equifax XXXX XX/XX/XXXX Date Reported : XXXX XXXX XX/XX/XXXX ; Equifax XXXX XX/XX/XXXX Date Opened : XXXX XXXX XX/XX/XXXX ; Equifax XXXX XX/XX/XXXX Balance Owed : {$0.00} Account Status : XXXX XXXX Closed ; Equifax XXXX Open Payment Status : Late 120 Days ( both bureaus ) Payment History Discrepancies : XXXX : Late payments ( 90 and 120 days ) reported from XX/XX/XXXX to XX/XX/XXXX. 
Equifax : Similar late payments reported for the same period. 
Identified Errors and Violations Inconsistent Reporting Across Bureaus : The payment status and payment history are not uniformly reported. While XXXX and Equifax report late payments from XX/XX/XXXX to XX/XX/XXXX, XXXX does not report any payment history. 
Account Status Discrepancy : XXXX reports the account as closed, whereas Equifax lists it as open, creating a conflicting narrative. 
Privacy and Accuracy Violation ( 15 USC 1681b & 15 USC 1681c ) : The late payment information reported does not reflect the actual payment history as per my records. Moreover, the discrepancies across bureaus demonstrate negligence in ensuring accurate reporting. 
Incorrect Date of Last Activity : The dates reported by XXXX ( XX/XX/XXXX ) and Equifax ( XX/XX/XXXX ) are inconsistent and fail to accurately reflect the true date of the last activity on this account. 
Failure to Update Account Information : Despite resolving the account in XXXX, the discrepancies and conflicting statuses persist in reports from XXXX and Equifax, indicating noncompliance with 15 USC 1681s-2. 
Requested Action Given the documented inaccuracies, I request the following actions be taken : Immediate investigation into the accuracy of the reported information. 
Removal or correction of all inaccurate late payments from XX/XX/XXXX to XX/XX/XXXX. 
Consistent reporting of the account status as closed with a {$0.00} balance across all bureaus. 
Written confirmation of the corrections made to my credit reports. 
Failure to address these discrepancies within 30 calendar days will leave me no choice but to escalate the matter further. I trust that you will handle this complaint promptly and in compliance with the FCRA and other applicable laws. 
Thank you for your attention to this matter. I look forward to your swift resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation