Consumer complaint received 2025-12-24 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: PA

Complaint narrative:
I am filing this complaint against Equifax, Experian, and the data furnisher, Department of EducationXXXX XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ). I have discovered significant, factually impossible errors on my credit reports and my attempts to correct them through the proper dispute process have been wrongfully dismissed. 

On or around XX/XX/XXXX and XX/XX/year>, I submitted formal dispute letters to Experian and Equifax, respectively. In these letters, I provided clear evidence of inaccuracies related to accounts furnished by the Department of Education. Both credit bureaus sent back responses claiming the information was " verified '' but failed to address the specific, irrefutable errors I had identified. Their investigations were unreasonable and failed to meet the standards required by federal law. 

The specific inaccuracies are as follows : For the account on my Equifax report, DEPT OF ED, Account Number XXXX : The report contains a logical and chronological impossibility. It lists a " Date of First Delinquency '' as XX/XX/year>, yet it simultaneously shows payment history markers for " 120 days past due '' and " 150 days past due '' in XX/XX/year>. It is impossible for me to be 150 days delinquent two months before the first delinquency ever occurred. Furthermore, the reported balance of XXXX dollars exceeds the documented high credit of XXXX dollars. Equifax 's investigation completely ignored these facially invalid data points. 

For the account on my Experian report, DEPT OF EDUCATIONXXXX, Account Number XXXX : This account is entirely absent from my XXXX  credit file, a major cross-bureau inconsistency that I pointed out in my dispute. Information can not be simultaneously accurate on my Experian report and non-existent on my XXXX  report. I also informed Experian that this account is obsolete and has been replaced by a new loan, making its continued reporting inaccurate and misleading. Experians " verification '' failed to address any of these facts. 

The actions of the credit bureaus and the furnisher violate my federally protected consumer rights. 

FCRA Section 611a1 is violated because Equifax and Experian failed to conduct a reasonable investigation. They ignored the specific evidence I provided and simply " parroted '' the inaccurate information back from the furnisher without addressing the logical impossibilities and cross-bureau inconsistencies.

FCRA Section 623a1A is violated by the Department of EducationXXXX for furnishing information that it knows or has reasonable cause to believe is inaccurate. The contradictory delinquency dates and inconsistent reporting across bureaus demonstrate a systemic failure in data integrity.

FCRA Section 611e is violated because both credit bureaus failed to follow reasonable procedures to assure the maximum possible accuracy of the information in my report.

FCRA Section 611a5A is violated because my disputes were not resolved by the reinvestigations. The law is clear that if a dispute is not resolved, the credit reporting agency shall delete the item. Both Equifax and Experian have failed to do this.

The continued reporting of this false information is causing direct harm to my financial standing and creditworthiness, especially as I have recently secured a new loan. This situation has caused me significant stress and damages my ability to access credit on fair terms.

Company response to consumer: Closed with explanation