Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
Dear CFPB, I would like to file a complaint against XXXX. They have consistently continued to report things on my credit report that are completely inaccurate. I have already filed a previous complaint. They never contacted me about any of it to get it resolved. You pasted their response which was barely readable and now I notice more inaccuracies that need to be corrected immediately! 

They are showing that I have had a late payment in the last month which is completely inaccurate. They are showing that My Federal Student Loans with US Depart of Education and XXXX XXXX are closed and also that I paid late. Those are both inaccurate. 
I called XXXX XXXX yesterday to confirm the status and they said the account is open and that the loans are in the deferment which is where all the loans were put that were in the XXXX XXXX. 

They show also that the loans were paid late as of XX/XX/XXXX. That is completely inaccurate! 

They have XXXX XXXX XXXX  listed on my credit XXXX different ways. They show a lot of postings as XXXX  and then they show it as XXXX of XXXX. All of the XXXX XXXX XXXX XXXX loans were consolidated. They were with XXXX and XXXX and then went to XXXX XXXX as a loan consolidation. This company has damaged my life and credit beyond anything that is fair and that needs to be removed permanently from my credit report. It had been previously disputed and removed but then for some reason it was put back on. 

I am XXXX XXXX XXXX and have had credit since I was XXXX XXXX XXXX. I never paid late and had a lot of credit. I had credit in the XXXX for years until the COVID 19 pandemic occurred. I have experienced severe provider discrimination by insurance plans. It is because my Texas State Government won't update their occupation code so that people with my advanced degrees and credentialing ( XXXX XXXX XXXX  ) can obtain a state license in the state. It is legal for all to practice XXXX in Texas but most health insurance plans will not credential healthcare providers ( XXXX  ) without a license. I am XXXXXXXX XXXX XXXX XXXX and it has taken me years to get on insurance plans. When COVID 19 happened I was mostly a cash based business since I was not able to credential on insurance plans to earn a fair living. I lost 75 % of my income and I could not pay my bills. I had to live on my credit cards and take out a loan so that I could survive. My government gave me very little XXXX money even after all the years that it took or education and supervisory or me to earn my credentials. My government didn't even provide enough financial support to even cover 1 month of bills and also I did not get any XXXX XXXX aid until XXXX of XXXX going many months without income to pay my bills and live. I had paid XXXX XXXX faithfully for the student loans for more than 15 years. Oddly and unfairly even after paying over {$500.00} a month or years I owed XXXX XXXX more than I ever borrowed! That is also not right and a scam! When COVID 19 happened and I could not pay the loans XXXX XXXX did not care and jacked up what I owed from {$500.00} a month to over {$900.00} a month. I was on pandemic aid and could not pay this. That company was unwilling to work with me on payments and forced me into default. Then XXXX XXXX or XXXX XXXX sued me with XXXX separate lawsuits regarding the student loans. Their lawyers never even showed up to the court hearings to even prove they had the right to sue me. It took everything that I had to try to defend myself and it left me unable to pay my IRS Taxes placing a lien against my home. This is all why I had to file bankruptcy. Additionally, all of those private loans were for living expenses and not my education program and they were included in the bankruptcy. They were discharge in the bankruptcy. To have them listed as charge off is not accurate and unfair. 

I want all of this corrected and removed from my credit. XXXX XXXX never even proved they had the right to sue me over those XXXX XXXX XXXX. They were disputed and they lost and it is unfair to keep hurting me over the loans. 

I want this corrected immediately as this has continued to hurt me and my life and cost me with higher rates for insurance for my home and car that further drove me to bankruptcy. 


It seems really unfair that I had excellent credit for 40 years and then now Equiax shows that I am a poor person to give credit to. The truth of it was that I am someone that has been screwed by XXXX XXXX and hurt by my own XXXX government that doesn't seem to care if I can work and earn a living in my field. It is unjust and not right and I don't deserve any of it. 

Please fix this immediately!

Company response to consumer: Closed with non-monetary relief