Consumer complaint received 2025-11-07 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : XXXX XXXX  Dispute of Inaccurate Student Loan Reporting under FCRA 611 & 623 ( a ) ( 1 ) ( A ) Grounds for Deletion Dear Sir/Madam, I am writing to dispute and request verification and correction of inaccurate information reported regarding my Nelnet student loan account XXXX XXXX  [ insert Account Number ] XXXX XXXX Upon reviewing my credit reports from Equifax, XXXX, and XXXX, I have identified significant inconsistencies that may negatively impact my creditworthiness. 

XXXX XXXX Discrepancies Identified XXXX XXXX XXXX XXXX  Credit Bureau / Servicer | Term | Delinquency | Last Activity | Last Payment | XXXX Past Due Count | Account Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax | XXXX | XXXX  days | XX/XX/XXXX | XX/XX/XXXX | XXXX | Open | | XXXX  | XXXX | XXXX  days | XX/XX/XXXX | XX/XX/XXXX | XXXX | Open | | XXXX  | XXXX | XXXX  days | XX/XX/XXXX | XX/XX/XXXX | XXXX | Open | As you can see XXXX XXXX  Equifax incorrectly XXXX XXXX XXXX Term = XXXX XXXX XXXX 
XXXX Delinquency status, last activity, last payment, and XXXX past due counts are XXXX XXXX inconsistent XXXX XXXX across all bureaus. 
* These discrepancies constitute XXXX XXXX inaccurate, incomplete, or unverifiable information * * under the * * Fair Credit Reporting Act ( FCRA ) 611 & 623 ( a ) ( 1 ) ( A ) * *.

Under FCRA, if a creditor or credit bureau * * can not verify the accuracy of the reported information * *, it is * * legally required to delete the item * * from my credit report. Therefore, the discrepancies above are * * grounds for deletion * * if verification fails or can not be completed. 

* * Requested Actions : * * XXXX. Verify the above student loan account information with XXXX. 
XXXX. Correct the Term to * * XXXX  months * * for all bureaus. 
XXXX. Verify and correct delinquency status, past due counts, last activity, and last payment dates across all bureaus to accurately reflect my account history. 
XXXX. Provide written confirmation of your findings and any corrections made. 
XXXX. * * If verification can not be completed, remove the inaccurate reporting from my credit file immediately * *, as required by law. 

I have attached supporting documentation, including recent statements and screenshots from my XXXX account confirming the repayment term, current status, and payment history. 

Please complete your investigation as required by law and provide a written response within the XXXX  day timeframe. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation