Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
As I recently sat down to review my credit report, I found myself reflecting on the many years I have spent upholding my responsibilities toward my student loan accounts with XXXX. These accounts have been part of my life since the late XXXX, spanning into the XXXX and beyond. Each one represents a period of growth, education, sacrifice, and determination. That is why it was concerning to see several entries reporting XXXX-day late payments for XX/XX/XXXX and XXXX-day late payments for XX/XX/XXXX, which do not accurately reflect the way I have maintained these obligations. Because of the importance of accuracy in my credit history, I am requesting that these accounts be reviewed and corrected under FCRA 602, 611, 623 ( a ) ( 2 ), 623 ( b ), and the principles reflected in 15 U.S. Code 1666, so that they reflect a true paid-as-agreed status. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX days XX/XX/XXXX and XXXX days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX days XX/XX/XXXX and XXXX days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX days XX/XX/XXXX and XXXX days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX days XX/XX/XXXX and XXXX days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX days XX/XX/XXXX and XXXX days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX days XX/XX/XXXX and XXXX days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$7300.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX days XX/XX/XXXX and XXXX days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX days XX/XX/XXXX and XXXX days XX/XX/XXXX XXXX XXXX * * * * Balance : {$1100.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX days XX/XX/XXXX and XXXX days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Balance : {$3700.00} Date XXXX Date Last Active : XX/XX/XXXX lates XXXX days XX/XX/XXXX and XXXX days XX/XX/XXXX XXXXD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$29000.00} Date XXXX Date Last Active : XX/XX/XXXX lates XXXX days XX/XX/XXXX and XXXX days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00} Date XXXX Date Last Active : XX/XX/XXXX lates 90 days XX/XX/XXXX and XXXX days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$26000.00} Date XXXX Date Last Active : XX/XX/XXXX lates XXXX days XX/XX/XXXX and XXXX days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} Date XXXX Date Last Active : XX/XX/XXXX lates XXXX days XX/XX/XXXX and XXXX days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5300.00} Date XXXX Date Last Active : XX/XX/XXXX lates XXXX days XX/XX/XXXX and XXXX days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} Date XXXX Date Last Active : XX/XX/XXXX lates XXXX days XX/XX/XXXX and XXXX days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX days XX/XX/XXXX and XXXX days XX/XX/XXXX Because all of these accounts show late entries that do not accurately match the payment history I intended to maintain, I am exercising my rights under FCRA 611 ( 15 U.S.C. 1681i ) to request a thorough reinvestigation. I also request that MOHELA/DOFED so that they may fulfill their responsibilities under FCRA 623 ( a ) ( 2 ) to correct and update inaccurate information, and under FCRA 623 ( b ) to properly investigate and respond once notified of my dispute. These protections exist to ensure fairness and accuracy principles XXXX highlighted in FCRA 602, and values reflected in 15 U.S. Code 1666 regarding proper correction of errors.

Company response to consumer: Closed with non-monetary relief