Consumer complaint received 2025-06-09 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TN XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To : Experian, XXXX. XXXX XXXX XXXX, TX XXXX To : TransUnion XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX To : Equifax, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting XXXX Student Loan Account To Whom It XXXX Concern, I, XXXX XXXX, hereby submit this formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., regarding inaccurate and damaging information reported on my credit file concerning my XXXX student loan account serviced by XXXX. The account is erroneously reported as XXXX for the period of XX/XX/XXXX through XX/XX/XXXX, despite an approved and backdated XXXX covering this period. This inaccurate reporting violates my rights under federal law and causes significant XXXX to my financial standing. 

On XX/XX/XXXX, I sustained a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and an extended recovery period. As a result, I was XXXX unable to work or walk for approximately XXXX months, from XX/XX/XXXX through XX/XX/XXXX, leading to XXXX XXXX XXXX XXXX I applied for and was granted a XXXX XXXX by XXXX, effective from XX/XX/XXXX, through XX/XX/XXXX, which was backdated to cover the disputed period. Despite this approval, my credit reports with Experian, TransUnion, and Equifax continue to reflect delinquent or past-due status for the aforementioned months, which is factually inaccurate and prejudicial. 

Legal Basis for Dispute The inaccurate reporting violates multiple provisions of the FCRA, including : XXXX XXXX. XXXX ( a ) : Requires credit reporting agencies to conduct a reasonable investigation of disputed information and correct inaccuracies within XXXX  days. 
XXXX XXXX. XXXX : Obligates credit bureaus to ensure the maximum possible accuracy of reported information. 
XXXX XXXX. XXXX : Mandates that furnishers, such as XXXX, XXXX accurate and complete information to credit reporting agencies. 
Additionally, the continued reporting of outdated XXXX information XXXX contravene XXXX XXXX. XXXX. The Consumer Financial Protection Bureau ( CFPB ) enforces these protections under XXXX XXXX. XXXX and XXXX, prohibiting unfair, deceptive, or abusive acts or practices ( XXXX ). The failure to correct this error undermines my ability to recover financially and constitutes an actionable violation of my consumer rights. 

I respectfully demand the following actions : XXXX removal of all XXXX XXXX XXXX XXXX related to my XXXX student loan account for the period of XX/XX/XXXX through XX/XX/XXXX, as these months are covered by the approved XXXX 
Update my credit file to accurately reflect the XXXX  status through XX/XX/XXXX, as confirmed by XXXX. 
Provide written confirmation of the investigation results and all corrections made, as required by XXXX XXXX. XXXX ( a ) ( XXXX ). 
Enclosed Documentation To substantiate my dispute, I have enclosed the following : Deferment approval letter from XXXX, confirming the XXXX XXXX  effective XX/XX/XXXX, through XX/XX/XXXX. XXXX records documenting my XXXX  XXXX on XX/XX/XXXX, and subsequent recovery period. Proof of unemployment during these times with bank statements. 
Notice of Compliance Obligations XXXX Account Name : XXXX Group : XXXX Status : Deferment Group : XXXX Status : Deferment Group : AD Status : Deferment Under XXXX U.S.C. XXXX ( a ), you are required to complete a reasonable investigation within XXXX days of receiving this dispute and notify me of the results. Failure to comply with these obligations XXXX compel me to pursue further action, including filing complaints with the Consumer Financial Protection Bureau, the Tennessee Attorney XXXX XXXX, and other relevant regulatory authorities. 

Thank you for your prompt attention to this critical matter. I trust you will fulfill your legal obligations to ensure the accuracy of my credit file. Please direct all correspondence to the contact information provided below. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TN XXXX ( XXXX ) XXXX XXXX Enclosures : Deferment Approval, XXXX XXXX, Proof of Unemployment

Company response to consumer: Closed with explanation