Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My federal student loans serviced by XXXX ( Department of Education ) are being reported inaccurately and inconsistently across the three major credit bureaus. 
The tradelines display contradictory late-payment codes, conflicting dates of last activity, and re-aged histories that do not follow the correct sequence. 
These errors are harming my credit standing and delaying the mortgage underwriting process for my family. 



WHATS WRONG Inconsistent late-payment coding across bureaus ( e.g., 90-, 120-, and 150-day late for the same period ). 
Missing 30- and 60-day progressiontradelines jump from OK to 90/120 days late, violating Metro 2 reporting standards. 
Payment Status shown as Current while Payment History still contains derogatory marks. 
Conflicting Date Opened, Date Last Active, and Date Reported among the bureaus. 
Late codes posted during the CARES Act administrative forbearance, when federally held loans must be reported as current ( OK ). 
I previously disputed these inaccuracies in XXXX, XXXX, and XX/XX/year>, but the furnisher failed to perform a lawful reinvestigation or provide verification. 



LAW VIOLATIONS FCRA 1681e ( b ) failure to ensure maximum possible accuracy. 
FCRA 1681i ( a ) failure to conduct a reasonable reinvestigation ; unverifiable data must be deleted or corrected.

FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known, or that should have been known, to be inaccurate.

CARES Act 3513 federally held loans must be reported as current ( OK ) during administrative forbearance.

Metro 2 Reporting Guidelines prohibit skipped-stage delinquency sequences and cross-bureau inconsistencies.

Louisiana Revised Statutes 9:3571.1 prohibits furnishing inaccurate or incomplete credit information and requires correction or deletion upon dispute. 
Louisiana Unfair Trade Practices and Consumer Protection Law ( La. R.S. 51:1405 ) forbids deceptive or unfair practices in commerce, including false credit reporting. 
Louisiana Civil Code Art. 2315 establishes liability for damages caused by wrongful acts or omissions, including financial harm from inaccurate credit reporting. 



REQUESTED RESOLUTION Delete both XXXX tradelines in full unless the furnisher can produce verifiable documentation substantiating every reported date, code, and payment history entry. 
If verified, remove all late-payment codes and report both accounts as Current / OK / {$0.00} past due/ Never Late/ In Deferment. 
Standardize Date Opened, Date Last Active, Date Reported, and Comments fields across all three bureaus. 
Delete or correct any unverifiable or inconsistent months and re-aged data. 
Provide written confirmation of deletions or verified corrections to all three bureaus within 10 business days. 



PRIOR DISPUTE NOTICE I have already disputed these inaccuracies with all three credit bureaus in XXXX, XXXX, and XX/XX/year>. 
Under FCRA 611 / 1681i, the bureaus and furnishers failed to conduct a reasonable reinvestigation. 
I request CFPB intervention for a complete and final resolution in compliance with federal and Louisiana consumer laws. 



PERSONAL / MORTGAGE IMPACT These inaccuracies have materially depressed my credit scores and are obstructing timely mortgage underwriting. 
I am requesting CFPB assistance to ensure immediate, accurate, and compliant reporting so my mortgage application can proceed without unlawful derogatory data.

Company response to consumer: Closed with non-monetary relief