Consumer complaint received 2025-11-28 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: DE

Complaint narrative:
To Whom It May Concern : I am a consumer under the Fair Credit Reporting Act ( FCRA ). This is a formal direct dispute of the information you are furnishing to Equifax, XXXX XXXX XXXX regarding the above-referenced account ( s ). Your current reporting is inaccurate, incomplete, internally inconsistent, and misleading, and therefore can not meet the FCRAs maximum possible accuracy standard or your duty of accuracy and integrity as a furnisher. 

1. Specific items in dispute False / unsupported XXXX late in XX/XX/XXXX On Equifax, XXXX XXXX XXXX XXXX tradelines show XXXX late payment with a XXXX for XX/XX/XXXX, while simultaneously reporting the account as Pays account as agreed, closed, {$0.00} balance. 


On XXXX, both XXXX XXXX XXXX tradelines again show a XXXX late in XX/XX/XXXX, while reporting the account as open, deferred, payment due starting XX/XX/XXXX, with no past-due amount. 


On XXXX, the same obligation is reported under US DEPARTMENT OF EDUCATION/XXXXXXXX XXXX XXXX as a current account, student loan, deferred, no past due and NO late payments at all in the payment history. 


The same student loan can not simultaneously be current with no lates ( XXXX ) and 90 days past due ( Equifax and XXXX  ) for XX/XX/XXXX. That is an objective contradiction. At least some of these late-payment notations are false and unsupported. 
Conflicting original balance data Equifax : XXXX tradeline reports Original balance {$1000.00}, the other Original balance {$1700.00}, for the same account number and open date. 


XXXX : likewise, XXXX tradeline shows Original balance {$1000.00} with current balance {$1100.00} ; the other shows XXXX balance {$1700.00} with current balance {$1800.00}. 


It is impossible for the same loan opened on XX/XX/XXXX with the same account number to have XXXX different original balances. Reporting XXXX different original balances for a single obligation is inaccurate and misleading. 
Open vs. closed / status conflicts Equifax reports the XXXX XXXX XXXX account as Closed, {$0.00} balance, Pays account as agreed. 


XXXX reports XXXX XXXX XXXX as Open, Education loan, deferred, with a positive balance and no past due. 


XXXX reports US DEPARTMENT OF EDUCATIONXXXX XXXX XXXX as a Current Account, student loan in deferment, positive balance, no past due. 


The same debt can not be simultaneously closed/ {$0.00} and open/current with a positive balance. At least XXXX of these statuses is wrong, and the combined result is misleading to any creditor reviewing my reports. 
Mismatched furnisher names and addresses across bureaus For the same student loan : Equifax lists the furnisher as XXXX XXXX XXXX, address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX. 


XXXX lists XXXX XXXX XXXX, address XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. 


XXXX lists US DEPARTMENT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 


The same obligation is thus being reported under XXXX different names and XXXX different cities/states. Combined with the balance, status, and late-payment conflicts above, this proves that your procedures are not producing accurate, consistent, or understandable data. 
Because of these inconsistencies, the entire tradelineincluding the alleged late payment ( s ) is unreliable and misleading and is damaging my creditworthiness.

2. Your obligations as a furnisher Under FCRA 623 and related regulations, once you receive a dispute you must : Conduct a reasonable investigation of each disputed item ; Review all relevant information I provide ; Correct or delete any information that is inaccurate, incomplete, or can not be verified ; and Report the results to all consumer reporting agencies to which you furnish this account.

Simply re-verifying the same internal code or pushing the same faulty data back to the bureaus is not a reasonable investigation.

3. My demands I demand that you : Remove the 90-day late or delete the tradeline Unless you can provide documentary proof that this loan was actually 90 days past due in XX/XX/XXXX, you must delete the XX/XX/XXXX XXXX late notation from Equifax and XXXX and ensure no late payments are reported on any bureau ; If you can not fully substantiate and reconcile the late-payment reporting across all three bureaus, you must delete the entire tradeline ( s ) from Equifax, XXXX XXXX XXXX .

Harmonize and correct all account data or delete Correct the original balance, status ( open/closed/current ), furnisher name, and address so that the data is accurate, consistent, and non-misleading on all CRAs ; or If you can not harmonize every field based on real records, delete the tradeline ( s ) in their entirety from all bureaus. 


Provide documentation of your investigation Please send me : A copy of the original promissory note/loan agreement showing the true original balance and terms ; A complete payment history for this loan, including any records relied upon to claim a XXXX delinquency ; The full Metro XXXX data set currently furnished for this account to Equifax, XXXX XXXX XXXX  ; A clear explanation of your relationship and role ( US Department of Educat

ion , servicer , third-party, etc. ) and why the loan is being reported under differing names and addresses. 4. Notice of negligent / willful non-compliance and potential litigation If you : Fail to complete a reasonable investigation ; Continue to report a 90-day late or the conflicting data described above ; or Re-verify obviously inconsistent information, I will treat that as evidence of negligent and/or willful non-compliance with the FCRA and any other applicable consumer protection laws. 


File additional disputes and complaints with Equifax, XXXX XXXX XXXX ; and Consult with a licensed consumer attorney to pursue civil claims for damages, costs, and attorneys fees. 


This letter is your opportunity to correct or delete these tradelines before I escalate. I expect a written response detailing your investigation and the specific actions taken within 30 days of your receipt of this dispute. 
Sincerely,

Company response to consumer: Closed with non-monetary relief