Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX XXXX ( XXXX  ) regarding inaccurate student loan reporting, failure to provide validation, improper delinquency reporting, and failure to comply with both the Fair Credit Reporting Act ( FCRA ) and applicable requirements under federal student loan regulations. 

My credit reports contain multiple derogatory student loan tradelines reported by XXXX, including late payments, delinquency codes, and dates of first delinquency that do not match my records and have never been validated. Despite disputing these items with the credit bureaus, XXXX has not provided any of the documentation required to verify these claims. 

The following issues require investigation. 

XXXX has never provided required validation I have not received : My original signed promissory notes My Master Promissory Note ( MPN ) The complete disbursement history Lifetime payment histories Deferment or forbearance documentation Evidence supporting any alleged late payment Documentation showing an accurate date of first delinquency Records showing the account was ever XXXX, XXXX, or XXXX  days past due XXXX has repeatedly verified these derogatory items to the credit bureaus without producing evidence, which is a violation of FCRA 623 and their duties as a furnisher. 

Inaccurate delinquency reporting My credit file shows derogatory information such as : XXXX  days past due XXXX  days past due Incorrect date of first delinquency Payment history notations inconsistent with actual records These reports harm my credit standing and are unsupported by documentation. 

Failure to conduct a lawful investigation Under FCRA 623 ( b ), XXXX must : Conduct a reasonable investigation Review all relevant information Provide evidence to the credit bureaus Correct or delete inaccurate or unverifiable information Instead, XXXX  appears to rely on automated responses instead of real investigation or documentation. This results in ongoing inaccurate reporting that damages my credit. 

Violation of Higher Education Act requirements Federal student loans require servicers to maintain complete, accessible records including : Original loan documents Accurate historical payment logs Valid deferment or forbearance codes If XXXX can not produce these materials, they can not legally report derogatory statuses. 

Harm caused by inaccurate reporting XXXX  failures have caused : Decreased credit scores Difficulty obtaining credit Ongoing negative reporting based on unverifiable information Emotional and financial distress due to false delinquency coding Requested CFPB action I am requesting that the CFPB investigate XXXX for : Reporting delinquency information without documentation Verifying disputes without performing a lawful investigation Failing to provide validation Violating FCRA 1681e ( b ), 1681i, 1681s-2 Violating federal student loan servicing requirements Continuing to report inaccurate and unverifiable data

Company response to consumer: Closed with non-monetary relief