Consumer complaint received 2026-01-14 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: NY

Complaint narrative:
Hi, hope this finds you well. 

I am filing a complaint regarding incorrect credit reporting and servicing errors by XXXX related to my federal student loans. My first loan due date was XX/XX/XXXX recently, but my credit score dropped more than XXXX points last week due to an incorrect delinquency note from XXXX to credit bureaus, even though they have acknowledged the due date error in their systems XXXX  months ago but failed to fix it. I did not miss any payments more than 1 business day, but received severe damage to my credit due to XXXX XXXX  mistake. Therefore, I am requesting that the incorrect delinquency note in my credit be fixed as soon as possible please. 

Please see below for the background and attached for the documents. Let me know if you need any further information from my side. I am very grateful for your help. 

Background : I graduated on XX/XX/XXXX. Under federal student loan rules, my loans entered a six-month grace period, with repayment period starting on XX/XX/XXXX and first payment due XX/XX/XXXX. See attached for transcript showing proof of graduation, and see attached for the Loans XXXX details on the XXXX XXXX XXXX website, each showing that the repayment status started on XX/XX/XXXX ( XXXX attachments named " XXXX XXXX shows ... '' ). Please also see the XXXX XXXX XXXX XXXX XXXX showing that the " Repayment Period Starts '' in XX/XX/XXXX. 

Despite this, XXXXXXXX XXXX system incorrectly reflected a repayment due much earlier, and I received past due notices in XX/XX/XXXX of a {$3300.00} past due amount. On XX/XX/XXXX, I sent a message on XXXX 's website asking them to fix it, and they sent me a general response while stating " XXXX, your first payment under the current plan is XX/XX/XXXX ''. See attached for this document ( XXXX XX/XX/XXXX XXXX ). Then I called XXXX, and after a long conversation they acknowledged that the past due is an error and will be fixed. 

Then on XX/XX/XXXX, I received another XXXX notice telling me my loans are XXXX days past due. I immediately called XXXX and they acknowledged our XX/XX/XXXX conversation, but fixing the past due would take XXXX business days ( see attached for a related " processing delay '' notice ). 

Since my actual first due date of XX/XX/XXXX came in, I visited the website to make the payment but the due date / delinquency error was still not fixed last week. Because I needed to change my repayment plan to lower my monthly payments, I had to make a larger-than-necessary $ XXXX payment to get rid of the incorrect past due. My payments were processed on XXXX & XXXX ( XXXX business day late ). See attached for " XXXX  and Disbursement History '' for confirmation. 

Still, on XX/XX/XXXX, I received a notice from my banks telling my credit score decreased more than XXXX points due to a past delinquency in my account from XXXX, which would remain on the account for XXXX  years. Horrified, I called XXXX as soon as possible Monday ( XX/XX/XXXX ) and they transferred me to an " advanced '' team, but the wait time was XXXX hours so I could not stay on due to my job. I sent them a message asking them to fix this as soon as possible ( see " XXXXXXXX XXXX XXXX XXXX XXXX XXXX  '' ), and they responded they will take a look ( with no time estimate ). I sent disputes to all XXXX credit bureaus today ( XX/XX/XXXX ) to try to mitigate this unfair damage to me. 

Please help me fix this incorrect delinquency / past due record from XXXX to my credit score that is severely affecting my financial health unfairly. Thank you so much. 

As additional document if needed, see attached XXXX Loan Repayment Detail Notices from XXXX in XX/XX/XXXX and XX/XX/XXXX, where page XXXX shows that the payments would start in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief