Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
To whom it XXXX concern, I received an email from XXXX XXXX in XX/XX/year>. Notifying me my student loan repayments will start again. What was not clear is when those payments will be accepted. It was also not clear if I was still in XXXX of the programs set up by the previous presidential administration. From my understanding I was enrolled in the XXXX plan program, whether I was removed from this repayment agreement I am unaware as I received no notification from my lender. In the past when I looked for my owed amount it suggested I didn't need to make a payment at that time, as I was in forbearance. Overall the information being shared by the lender is misleading. At times contradicting. When I have questions the lender does not respond. I called the lender and a customer service rep completely downplayed the situation and informed me they could not assist me any further. I find myself slightly confused. No information, no responses. On XX/XX/XXXX, I have received a notification that my account was now in delinquency for being 90 days past due. But this information was not clear, as the document suggested, I had until XX/XX/year> to make my account current before going into default and or delinquency. Once I found out the news I immediately wrote to XXXX XXXX on XX/XX/XXXX and asked for confirmation on the newly earned information and possible an understanding that the information was not received in a timely manner. 

I wrote : I hope this message finds you well. I am writing in response to a recent notice indicating that my account had become 90 days past due. I want to assure you that I have taken immediate action to address this matter and have already brought the account current within the same week the delinquency notice was issued. 
In addition, I am actively working to reenroll in a structured repayment program to help ensure consistent and sustainable payments going forward. These steps reflect my strong commitment to fulfilling my financial obligations and maintaining good standing on my account. 
In light of the prompt resolution and my demonstrated intent to stay on track, I respectfully request your assistance in withholding or removing any delinquency reporting to the credit bureaus. I understand the importance of accurate credit reporting and would deeply appreciate your consideration in allowing my efforts to be reflected in how this account is reported. 
Please refer to the attached documentation, including the XXXX account overview, as evidence that the account has been brought current. 
Thank you for your time and understanding. Should you require any further information or documentation to support this request, please do not hesitate to let me know. 


Since sending this letter I have brought my account to current the same week of the XXXX day delinquency notification. Please see XXXX  overview within the attachment section.

Company response to consumer: Closed with explanation