Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
Hello, I am requesting that my case be reopened immediately, as the prior response did not address the core issues of improper notification and inaccurate credit reporting. 
Recently, I received an alert from XXXX showing that all ten of my XXXX student loan tradelines were reported as 120 days delinquent on the exact same day. This was the first indication that anything was past due, and as a result, my credit score dropped more than XXXX points in a single day. 
I want to clarify that these ten tradelines are all grouped into one single monthly payment. XXXX combines these loans together, meaning I did not miss ten separate payments or multiple months of payments. I missed one grouped payment, and the moment I received the XXXX  alert indicating a change to my credit score, I immediately brought the account current the same day. This clearly shows I was not avoiding payment ; I simply had no knowledge that anything was due. 
After reviewing my XXXX report in detail, I noticed that my credit file never showed any 30-day, 60-day, or 90-day delinquencies at the time those stages supposedly occurred. None of these late marks appeared month by month. Instead, all ten tradelines suddenly showed a 120-day delinquency for the first time, and on that same day, the credit bureaus retroactively populated 30-day, 60-day, and 90-day late statuses across all tradelines. I saw this on XXXX and XXXX XXXXhis confirms the delinquency was not reported progressively as it aged, but was batch-reported in a single submission, creating the misleading appearance of repeated missed payments over several months when in fact it stemmed from a single event. 
I also confirmed directly with a XXXX XXXX that all of their attempted communications were sent to outdated contact information. At the time, their records still showed my maiden name, my old address FL, and an old phone number, which I have not used since living in another state many years ago. None of those electronic communication attempts reached me. 
Most importantly, the XXXX of XXXX confirmed that no mailed delinquency notices were ever sent to any address. This is significant because I had USPS mail forwarding in place when I moved, and every forwarded piece of mail reached me without issue. Had XXXX mailed even XXXX notice, I would have received it and resolved the issue immediately. The XXXX XXXX also acknowledged that the way this delinquency was reported was not appropriate for what actually occurred, stated that he wished he had a better response, and confirmed that this same issue has happened to many other customers. 
Because : XXXX relied only on outdated electronic contact information, No mailed notices were sent, which is the only method that would have reached me, I had no knowledge a payment was due until the XXXX  alert, One grouped payment resulted in ten 120-day delinquencies, Earlier delinquency stages were retroactively batch-reported, The reporting creates a false appearance of repeated missed payments, I brought the account current immediately, and My credit suffered severe and disproportionate harm, the current reporting is inaccurate, incomplete, and misleading under the Fair Credit Reporting Act. It does not reflect my actual payment behavior or the circumstances surrounding this situation. 
I respectfully request : A full reinvestigation and reopening of my case. 
Correction or removal of all inaccurately reported delinquency marks across all XXXX tradelines. 
Written confirmation that this case is now under active review. 
Thank you for reviewing my complaint.

Company response to consumer: Closed with explanation