Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Equifax, I am writing to formally dispute certain items listed on my credit file as per the results of your recent investigation. I have reviewed your findings and believe there are still discrepancies that need to be addressed. Below is a summary of the items in question and my concerns : Disputed Accounts : 1. DEPARTMENT OF EDUCATION ( Multiple Accounts ) Account Status : Verified Modifications : Scheduled Payment Deferred Pay Start Date Actual Payment Account History Balance Concerns : I request clarification on how these changes affect my overall debt obligations. There are discrepancies in the accounts balance and payment status that do not align with the documentation I have. 
XXXX. XXXX XXXX XXXX Account Status : Verified Modifications : Past Due Balance Account History Concerns : The reported balance and past due amounts do not reflect the payments I have made. I would like a more thorough investigation into these inconsistencies. 
XXXXXXXX XXXX XXXX XXXX XXXX Multiple Accounts ) Account Status : Verified Verification : Reported correctly Concerns : There are unresolved issues regarding how the balance has been reported across various credit bureaus. The payment status and account history provided do not match my records. 
XXXXXXXX XXXX XXXX  Account Status : Verified Verification : Reported correctly Modifications : Scheduled Payment Account History Concerns : I would like to understand how these changes were determined, as they do not match my records. Additionally, I have already provided proof that I no longer owe this debt, yet it continues to appear on my file. Please review and provide the necessary supporting documents from the creditor. 
XXXX. XXXX XXXX XXXX XXXX  Account Status : Verified Modifications : Closed Date Scheduled Payment Account History Concerns : This account has been closed, but the reported balance and payment history are incorrect. Please provide the necessary documentation to reflect this account as closed with a zero balance. 
XXXX. XXXX XXXX XXXX Account Status : Verified Verification : Reported correctly Modifications : Closed Date Scheduled Payment High Credit Actual Payment Credit Limit Account History Concerns : There are inconsistencies in how the credit limit and payments are reported. I would like to request documentation from the creditor that confirms this information. 
XXXX. XXXX XXXX XXXX XXXX Account Status : Verified Modifications : Additional Information Concerns : Please provide more detail on the modifications made and any documents from the creditor related to this account. 
XXXX. XXXX XXXX  Status : Deleted Concerns : Although this account has been deleted, I would appreciate confirmation that it has been properly removed from all reporting systems. 
XXXX. XXXX XXXX XXXX  XXXX Status : Deleted Concerns : I request confirmation that this account has been correctly removed and that no further actions are needed.

Company response to consumer: Closed with non-monetary relief