Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing as the consumer and rightful owner of the credit file associated with my name to formally dispute the accuracy, completeness, and lawful reporting of the XXXX  XXXX account ending in XXXX XXXX XXXX, which is currently reporting a balance of {$6400.00}, a date opened of XX/XX/XXXX, and a last activity date of XX/XX/XXXX * *. From the moment this account appeared on my credit report, the information associated with it has been unclear, confusing, and damaging. I did not receive clear or timely written notice explaining when repayment obligations began, how monthly payments were calculated, or what actions were required of me to remain in good standing. Despite this lack of proper disclosure, this account has been reported in a manner that suggests borrower fault rather than administrative or servicing failure. This creates a misleading and inaccurate narrative about my financial behavior. Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. Reporting an account without validating billing timelines, repayment start dates, and proper notice violates this standard. Additionally, under 15 U.S.C. 1681s-2, furnishers are prohibited from providing information that is incomplete or misleading. Until this account can be fully substantiated with original documentation, including proof of repayment terms and borrower notification, its current reporting is inaccurate and legally disputable. 
I am also formally disputing the XXXX XXXX XXXX  account ending in XXXX XXXX XXXX, which reports a balance of {$5900.00}, a date opened of XX/XX/XXXX, a last activity date of XX/XX/XXXX, and a delinquency status of 180 days late * *. This account has existed for many years and has been transferred between multiple servicers, which has resulted in fragmented records, inconsistent reporting, and a lack of continuity in communication. Throughout these transitions, I was never provided with documented proof that this account legitimately reached a 180-day delinquency status. I did not receive certified notices, default warnings, or written validation establishing the dates, amounts, or circumstances that would justify such severe adverse reporting. Reporting a long-standing federal student loan as severely delinquent without contemporaneous documentation is materially misleading and violates 15 U.S.C. 1681a ( d ) and 1681e ( b ), which require consumer reports to be fair, accurate, and reflective of verified facts. This misreporting has caused substantial harm to my credit profile, financial standing, and ability to access housing and credit, despite the absence of verified borrower misconduct. 
I further dispute the XXXX XXXX XXXX account ending in XXXXXXXX XXXX XXXX, showing a balance of {$6300.00}, with a date opened of XX/XX/XXXX, a last activity date of XX/XX/XXXX, and reported as 180 days late * *. The reporting of this account is internally inconsistent and misleading, as it reflects recent account activity while simultaneously alleging extended nonpayment. I was never provided timely billing statements, delinquency notices, or written explanations outlining how this account allegedly became 180 days past due. This form of reporting falsely implies willful nonpayment and financial irresponsibility, which does not reflect my intent or actions as a borrower. Under 15 U.S.C. 1681c ( a ), negative information must be accurately aged and must not misrepresent consumer behavior. Furthermore, federal student loan servicing standards established under the Higher Education Act require servicers to provide borrowers with clear notice and an opportunity to resolve issues prior to adverse credit reporting. The failure to meet these requirements renders the reporting of this account unverifiable and legally disputable. 
Lastly, I am disputing the XXXX XXXX XXXX account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which reports a balance of {$7500.00}, a date opened of XX/XX/XXXX, a last activity date of XX/XX/XXXX, and a delinquency status of 180 days late * *. Given the relatively recent opening of this account, the reporting of a severe XXXX delinquency is excessive, unreasonable, and unsupported by proper documentation. I did not receive certified correspondence, billing statements, repayment schedules, or default notices establishing a lawful delinquency timeline. Reporting a newly opened federal student loan as severely delinquent without proof of notice or validation directly contradicts the intent of the Fair Credit Reporting Act, 15 U.S.C. 1681 ( a ), which was enacted to ensure accuracy, fairness, and transparency in consumer reporting. This accounts reporting has caused immediate and disproportionate damage to my creditworthiness. Until each credit bureau can independently verify this account with complete and original records from the furnisher, including notice history, payment obligations, and delinquency calculations, the information must be corrected or deleted as required by law.

Company response to consumer: Closed with non-monetary relief