Consumer complaint received 2025-01-24 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute Accounts : U.S. Department of Education - Account XXXX - **Account Type** : Education Loan - **Account Number** : XXXX - **Original Creditor** : XXXX XXXX  - **Date Opened** : XX/XX/XXXX - **Balance** : {$8900.00} - **Monthly Payment** : {$0.00} - **Status** : Open, 120 Days Past Due ( as of XXXX ) - **Terms** : 1 Month - **Original Balance** : {$8200.00} - **Payment History** : History includes collections and 120-day delinquencies in prior years.

U.S. Department of Education - Account XXXX - **Account Type** : Education Loan - **Account Number** : XXXX - **Original Creditor** : XXXX XXXX - **Date Opened** : XX/XX/XXXX - **Balance** : {$6800.00} - **Monthly Payment** : {$1.00} - **Status** : Open, Never Late - **Terms** : 120 Months - **Original Balance** : {$5000.00} - **Payment History** : No delinquencies reported. 
U.S. Department of Education - Account XXXX - **Account Type** : Education Loan - **Account Number** : XXXX - **Original Creditor** : XXXX XXXX - **Date Opened** : XX/XX/XXXX - **Balance** : {$11000.00} - **Monthly Payment** : {$0.00} - **Status** : Open, 120 Days Past Due ( as of XXXX ) - **Terms** : 1 Month - **Original Balance** : {$10000.00} - **Payment History** : Includes collections and 120-day delinquencies.

U.S. Department of Education - Account XXXX - **Account Type** : Education Loan - **Account Number** : XXXX - **Original Creditor** : XXXX XXXX - **Date Opened** : XX/XX/XXXX - **Balance** : {$4600.00} - **Monthly Payment** : {$0.00} - **Status** : Open, 120 Days Past Due ( as of XXXX ) - **Terms** : 1 Month - **Original Balance** : {$4200.00} - **Payment History** : Includes collections and 120-day delinquencies.

U.S. Department of Education - Account XXXX - **Account Type** : Education Loan - **Account Number** : XXXX - **Original Creditor** : XXXX XXXX - **Date Opened** : XX/XX/XXXX - **Balance** : {$6400.00} - **Monthly Payment** : {$0.00} - **Status** : Open, Never Late - **Terms** : 1 Month - **Original Balance** : {$6000.00} - **Payment History** : No delinquencies reported.

U.S. Department of Education - Account XXXX - **Account Type** : Education Loan - **Account Number** : XXXX - **Original Creditor** : XXXX XXXX - **Date Opened** : XX/XX/XXXX - **Balance** : {$1700.00} - **Monthly Payment** : {$0.00} - **Status** : Open, 120 Days Past Due ( as of XXXX ) - **Terms** : 1 Month - **Original Balance** : {$1500.00} - **Payment History** : Includes collections and 120-day delinquencies.

U.S. Department of Education - Account XXXX - **Account Type** : Education Loan - **Account Number** : XXXX - **Original Creditor** : XXXX XXXX - **Date Opened** : XX/XX/XXXX - **Balance** : {$11000.00} - **Monthly Payment** : {$0.00} - **Status** : Open, 120 Days Past Due ( as of XXXX ) - **Terms** : 1 Month - **Original Balance** : {$10000.00} - **Payment History** : Includes collections and 120-day delinquencies.

U.S. Department of Education - Account XXXX - **Account Type** : Education Loan - **Account Number** : XXXX - **Original Creditor** : XXXX XXXX - **Date Opened** : XX/XX/XXXX - **Balance** : {$6600.00} - **Monthly Payment** : {$0.00} - **Status** : Open, 120 Days Past Due ( as of 2021 ) - **Terms** : 1 Month - **Original Balance** : {$6100.00} - **Payment History** : Includes collections and 120-day delinquencies.

Thank you for your assistance Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation