Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inconsistent Student Loan Reporting Request for Reinvestigation and Method of Verification ( M.O.V. ) To Whom It May Concern, I am submitting this formal dispute pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). Upon review of my Equifax credit report, I have identified material inconsistencies and contradictory information regarding a student loan account reported by the Department of EducationXXXX XXXX These inaccuracies have caused confusion and unjustly damaged my credit profile.

1. Account Identification and Inconsistent Reporting The loan appears as Account # XXXX on my Equifax report. However, the same loan is reported by XXXX XXXX XXXX under different account numbers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), with inconsistent data across all three bureaus. 

2. Reported Balances and Status Equifax reports a {$0.00} remaining balance indicating the loan is fully paid, yet simultaneously reports a past due amount of {$210.00} with an open status. XXXX XXXX XXXX  also report contradictory statusesXXXX  lists the account as delinquent 180 days past due, while XXXX  shows no remarks. 

3. Conflicting Account Details Last Activity Date on Equifax is reported as XX/XX/XXXX, while XXXX XXXX XXXX  report XX/XX/XXXX. 

Account remarks vary : Equifax classifies it as a student loan, XXXX shows no remarks, and XXXX reports severe delinquency. 

4. Delinquency History Equifax reports XXXX occurrences oXXXX XXXX-day delinquencies, which is mathematically inconsistent as one can not have multiple 90-day delinquencies without prior 30- or 60-day delinquencies. TransUnion reports the same inconsistency, while XXXX reports XXXX delinquencies, further compounding the logical impossibility. 

5. Months Reviewed and Term Count Equifax reports 80 months reviewed with XXXX term count, in stark contrast to XXXX 48 months reviewed and 120 months term count, and XXXX  81 months reviewed and 120 months term count. 

6. Payment History Equifax reports 92 % of payments made on time, while XXXX  reports 96 %, and XXXX reports 88 %. These conflicting figures highlight the lack of uniformity and raise serious concerns about the accuracy of the data you report. 

These material discrepancies across all three credit reporting agencies violate the FCRAs mandate that consumer reporting agencies maintain and report fair, accurate, and complete information ( 15 U.S.C. 1681e ( b ) ). Under FCRA 611 ( 15 U.S.C. 1681i ), I request a thorough reinvestigation and verification of this account to correct these inaccuracies and inconsistencies.

Requested Actions : If this account is verified as accurate, I demand that you provide a full Method of Verification ( M.O.V. ) pursuant to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), including : The identity of the parties contacted to verify the information, The process and criteria used to verify accuracy, and The original source ( s ) of the information. 

If you can not verify this account as accurate and consistent with the other bureaus reporting, I demand immediate deletion of all inaccurate, conflicting, or duplicate information so my credit report reflects only truthful and verifiable data. 

Please be advised that failure to comply with the reinvestigation requirements and provide the requested M.O.V. within the 30-day statutory period is a violation of the FCRA, which may expose Equifax to enforcement actions and liability. 

I expect your written response within the 30-day timeframe mandated by federal law. Thank you for your prompt attention to this serious matter. 

Enclosures : Copy of State-issued ID ( proof of identity ) Recent utility bill ( proof of address ) Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief