Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I am submitting this complaint because all three major credit bureaus XXXX XXXX and Equifax are inaccurately reporting several XXXX  loan accounts as having late payment or past due histories, even though every one of these accounts has a XXXX balance and is fully paid or in good standing. The following accounts are being misreported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these accounts are either closed, paid, or current with no remaining balance. Yet, the credit bureaus continue to show them with late payment or past due remarks. This is inaccurate, misleading, and in direct violation of the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to ensure the maximum possible accuracy of information they maintain and disclose. 

Under 15 U.S. Code 1681n, both the credit bureaus and the furnishers can be held legally liable for willfully reporting false or misleading data. Additionally, 15 U.S. Code 1666 ( b ) obligates creditors to correct billing errors and ensure that reported payment information is accurate. Reporting accounts as late when they are fully paid or current constitutes a serious error and fails to meet these legal standards. 

I have previously disputed these inaccuracies, but all three bureaus failed to provide any supporting documentation verifying actual late payments. Their responses only repeated that the information was verified, which does not satisfy the FCRAs requirement for a reasonable and documented reinvestigation. 

These repeated errors have damaged my credit standing by creating the false appearance of chronic delinquency, despite my history of paying these student loans responsibly. It has been discouraging and stressful to see years of responsible repayment inaccurately portrayed as missed payments.

Company response to consumer: Closed with non-monetary relief