Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistent credit reporting by XXXX, the servicer of my federal student loans, and the failure of credit reporting agencies ( XXXX, Equifax, and XXXX  ) to correct this information after multiple disputes. 

For context, I have several federal student loans serviced through XXXX and the Department of Education. I have never been late or delinquent on any of these XXXX loans since I began repayment. However, my credit reports show numerous discrepancies dating back to XXXX  and continuing through recent years. 

Specifically, many months on these XXXX student loan accounts are marked as Unknown in the payment status history instead of listing a proper designation such as Current or Delinquent. There are also instances where one month is marked Current, followed by a month marked Delinquent, and then the following month marked Current again. These inconsistencies occur across multiple loans and reporting periods, and often differ across the three credit bureaus. 

If I have never been late on these loans, it is not logical or accurate for some months to be reported as delinquent while others are not especially with no documented default, deferment, or forbearance status during those times. The presence of multiple Unknown months raises serious concerns about the accuracy and completeness of the records being reported. It appears the servicer or bureaus may not have full data for certain timeframes, yet are still submitting negative or incomplete information.

I have submitted multiple disputes to all three major credit reporting agencies. Each time, the disputes have been returned with the status verified as accurate, which I do not understand, as the records themselves contain months marked Unknown, which by definition is not a verified status. If the payment history is Unknown, it can not be claimed as verified or accurate under the Fair Credit Reporting Act ( FCRA ). 

Separately, I also discovered that I had an outstanding XXXX XXXX  that I was previously unaware of. Upon learning of this account, I promptly signed a loan rehabilitation agreement, which has already been submitted to and received by the proper entities within the Department of Education. As of the time of this complaint, two monthly payments have been made and accepted under the terms of that agreement. However, my credit reports have not been updated to reflect this ongoing loan rehabilitation, which is a critical omission. 

To summarize : I have never been late on any XXXX student loans, yet my reports inconsistently list some months as delinquent and others as unknown. 
There are multiple Unknown statuses across years of reporting, which should be either corrected or clarified. 
My disputes through the credit bureaus have been closed without meaningful resolution, despite the reporting being clearly incomplete. 
My ongoing loan rehabilitation for the XXXX XXXX is not reflected in any of my credit bureau files, even though the agreement was signed and two payments have been made. 

I am requesting that the Consumer Financial Protection Bureau conduct a full investigation into this matter and compel XXXX, the Department of Education, and the credit bureaus to : 1. Correct the reporting of all XXXX student loan accounts to show accurate and complete payment history, free of Unknown designations and inaccurate delinquency markers. 
2. Update all credit bureaus to reflect my current participation in a XXXX XXXX rehabilitation program and any progress made. 
3. Ensure compliance with the Fair Credit Reporting Act regarding the completeness and accuracy of all consumer credit information being reported. 

I am available to provide documentation upon request, including evidence of payments, the signed rehabilitation agreement, and screenshots or reports from the credit bureaus showing the inconsistencies mentioned.

Company response to consumer: Closed with explanation