Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this follow-up complaint regarding inaccurate reporting of several student loan accounts on my credit file. Upon reviewing my recent credit report, I identified multiple accounts that are being reported with 90-day and 120-day late payments in a manner that is incomplete and inaccurate. Under proper reporting standards, delinquencies must be documented progressively ( 30 days, then 60 days, then 90 days, etc. ). In my case, the reports inaccurately skip directly to 90- or 120-day late statuses without properly reflecting the earlier stages of delinquency. 
This misreporting is misleading, incomplete, and fails to meet the accuracy and integrity requirements mandated by the Fair Credit Reporting Act ( FCRA ). As such, these late payment entries can not be verified as accurate and must be corrected immediately. 

The accounts affected include : DEPT OF EDXXXX XXXX, Open Date : XX/XX/XXXX LATE 90 DAYS XX/XX/XXXX, LATE 120 DAYS XXXX DEPT OF EDXXXX XXXXXXXX, Open Date : XX/XX/XXXX LATE 90 DAYS XXXX, LATE 120 DAYS XX/XX/XXXX DEPT OF EDXXXX XXXXXXXX, Open Date : XX/XX/XXXX LATE 90 DAYS XXXX, LATE 120 DAYS XX/XX/XXXX DEPT OF EDXXXX XXXXXXXX, Open Date : XX/XX/XXXX LATE 90 DAYS XXXX, LATE 120 DAYS XX/XX/XXXX DEPT OF EDXXXX XXXXXXXX, Open Date : XX/XX/XXXX LATE 90 DAYS XX/XX/XXXX, LATE 120 DAYS XX/XX/XXXX DEPT OF EDXXXX XXXXXXXX, Open Date : XX/XX/XXXX LATE 90 DAYS XX/XX/XXXX, LATE 120 DAYS XX/XX/XXXX DEPT OF EDXXXX XXXXXXXX, Open Date : XX/XX/XXXX LATE 90 DAYS XXXX, LATE 120 DAYS XX/XX/XXXX DEPT OF EDXXXX XXXXXXXX, Open Date : XXXX XXXX, XXXX LATE 90 DAYS XX/XX/XXXX DEPT OF EDXXXX XXXXXXXX, Open Date : XX/XX/XXXX LATE 90 DAYS XX/XX/XXXX DEPT OF EDXXXX XXXXXXXX, Open Date : XX/XX/XXXX LATE 90 DAYS XXXX, LATE 120 DAYS XX/XX/XXXX DEPT OF EDXXXX XXXXXXXX, Open Date : XX/XX/XXXX LATE 90 DAYS XX/XX/XXXX, LATE 120 DAYS XX/XX/XXXX XXXX XXXXXXXX, Open Date : XX/XX/XXXX LATE 90 DAYS XX/XX/XXXX, LATE 90 DAYS XX/XX/XXXX, LATE 120 DAYS XX/XX/XXXX DEPT OF EDXXXX XXXXXXXX, Open Date : XX/XX/XXXX LATE 90 DAYS XX/XX/XXXX DEPT OF EDXXXX XXXXXXXX, Open Date : XX/XX/XXXX LATE 90 DAYS XX/XX/XXXX XXXX XXXXXXXX, Open Date : XX/XX/XXXX LATE 90 DAYS XX/XX/XXXX, LATE 90 DAYS XX/XX/XXXX, LATE 120 DAYS XX/XX/XXXX XXXX XXXXXXXX, Open Date : XX/XX/XXXX LATE 90 DAYS XX/XX/XXXX, LATE 90 DAYS XX/XX/XXXX, LATE 120 DAYS XX/XX/XXXX This inaccurate reporting violates several key provisions of the FCRA : FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of information. Reporting 90- and 120-day lates without first recording 30- and 60-day stages is not accurate. FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) : Consumers have the right to dispute inaccurate or incomplete information and the CRA must reinvestigate and correct or delete information that can not be verified. FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers of information, such as XXXX and XXXX, may not report information they know or should know is inaccurate. 
FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ) : Furnishers must correct and update information so it is not misleading or incomplete.

Company response to consumer: Closed with non-monetary relief