Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have requested on many phone calls to gain access to my online account so I could compare my payment history to my credit report, because I found inaccuracies. Because my loans are not in good standing they would not give me access to my online account, so I requested on multiple occasions ( one being XX/XX/2025 ) a copy of my payment history, scheduled payments, any changes made to repayment terms, and all information pertaining to payments from the inception of all my loans- sent via email or snail mail. I have not received either. I also requested a copy of my request for payment history from inception of all loans, and they told me I could not get any form of documentation I made such a request. 
They have openly admitted on multiple phone calls they know they inaccurately reported my credit history to the bureaus and still have not fixed it. I have a copy of those phone calls if needed. 
Additionally, I wish to address significant concerns regarding the management of my accounts. I believe I have been misled on multiple occasions regarding the repayment options available to me. Specific instances of unauthorized scheduled payments have occurred, which I did not approve. These discrepancies have negatively impacted my credit report, causing significant pain and suffering for both myself and my cosigner, XXXX XXXX. The stress of dealing with these issues has taken a toll on our financial stability and peace of mind. 
Even without these documents I requested, I know without a doubt they did not report all my on time payments with the company, and they reported negatively when I was still enrolled in school and on a deferment program. 
I would like to draw your attention to potential violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, which mandates that creditors report accurate information to credit reporting agencies. Under 15 U.S.C. 1681i, if a consumer disputes the accuracy of information, the credit reporting agency must conduct a reasonable investigation. If the information is found to be inaccurate, it must be deleted from the consumers credit report. This requirement extends to all furnishers of information, including your institution, and ensures that all inaccurate credit reporting is removed from all creditors. 
I was also misled on many occassions regarding the options available to me at the time for payment plans, all of which XXXX XXXX records the phone calls, and if this is not fixed, I am fully prepared for my lawyer to get copies of all these phone calls dating as far back as 8 years, where I was lied to, and told on multiple occasions just to borrow money from someone- regardless of the time period and life changes going on. ( Ie divorce, death, car accident, XXXX, the list goes on. ) I was also harassed for years with phone calls to me and my cosigner, even when I made the payment we agreed upon- they would falsely mail letters to my cosigner saying I was not up to date- when I was in fact up to date with the agreed upon payment arrangement. This company has been nothing short of a complete nightmare, and only when I announced I recorded calls just like they did, and I have a lawyer, they stopped the insane harassment day in and day out. They also ruined my credit by inaccurately reporting- only reporting when I fell behind- but never reporting when I was on time. I warn everyone I know against XXXX XXXX, and have complied a huge folder of documentation to submit to my friends who work in social media, media, newspapers, because I am done taking their terrible, inaccurate practices.

Company response to consumer: Closed with non-monetary relief