Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am disputing the accuracy and completeness of the accounts listed below as reported on my Equifax credit file. These tradelines show late payment notations, duplicate reporting, and inconsistent balances. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681e ( b ), Equifax must conduct a reinvestigation and remove or correct unverifiable or inaccurate information.

Each account is listed individually with the reason for dispute : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6600.00} Reason for Dispute : Reports show late payments with conflicting delinquency dates and inconsistent activity history. 
WebBankAvant Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Reason for Dispute : Contains misleading comments ( dispute resolved; consumer disagrees ) which are inaccurate and unverifiable. 
XXXX XXXX Account name : XXXX  XXXX Account number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} Reason for Dispute : Continues to show late payments despite prior disputes. No verifiable documentation has been provided. 
Account name : XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$570.00} Reason for Dispute : Payment history reflects conflicting derogatory notations ( 30120 day late ) that are inconsistent and unverifiable. 
XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$15000.00} Reason for Dispute : Appears duplicative of another Sloan/Nelnet loan ; reporting inflates balances . 
Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} Reason for Dispute : Duplicate reporting with inconsistent balance compared to other Sloan/Nelnet entry XXXX 
DeptEd/Nelnet Student XXXX Account name : DEPTEDXXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00} Reason for Dispute : Duplicate entry ; unverifiable balance. 
Account name : DEPTEDXXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} Reason for Dispute : Conflicting balance compared to other DeptEd/Nelnet loans XXXX 
Account name : DEPTEDXXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2200.00} Reason for Dispute : Duplicate reporting ; overlapping payment history. 
Account name : DEPTEDXXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$960.00} Reason for Dispute : Duplicate entry with unverifiable balance. 
Account name : DEPTEDXXXX Account number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$24000.00} Reason for Dispute : Inconsistent delinquency and inflated balance reporting. 
Account name : DEPTEDXXXX Account number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Reason for Dispute : Duplicate loan entry ; inconsistent balance data. 
Account name : DEPTEDXXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$13000.00} Reason for Dispute : Reporting inconsistent delinquency and balance history. 
Account name : DEPTEDXXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00} Reason for Dispute : Duplicate tradeline ; unverifiable information. 
Account name : DEPTEDXXXX Account number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$9500.00} Reason for Dispute : Conflicting delinquency notations ; no documentation provided. 
Account name : DEPTEDXXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$35000.00} Reason for Dispute : Overstated balance compared to Department of Education XXXX. 
Account name : DEPTEDXXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00} Reason for Dispute : Duplicate entry ; conflicting balances. 
Account name : DEPTEDXXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00} Reason for Dispute : Duplicate tradeline with unverifiable reporting. 
Account name : DEPTEDXXXX Account number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Reason for Dispute : Conflicting delinquency data ; no supporting documentation provided. 
Account name : DEPTEDXXXX Account number : XXXXXXXX XXXX XXXX XXXX  * Date Opened : XX/XX/XXXX Balance : {$6400.00} Reason for Dispute : Appears duplicative ; unverifiable. 
Account name : DEPTEDXXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} Reason for Dispute : Conflicts with similar XXXX loans ; balance inconsistent. 
Account name : DEPTEDXXXX  Account number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$970.00} Reason for Dispute : Duplicate entry with unverifiable balance. 
Account name : DEPTEDXXXX Account number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4200.00} Reason for Dispute : Duplicate entry ; inaccurate balance reporting. 
XXXX XXXX Account name : XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$7900.00} Reason for Dispute : Inaccurate late payment reporting ; no proof of delinquency has been provided.

Company response to consumer: Closed with non-monetary relief