Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am filing this complaint against Equifax Information Services, LLC for knowingly, willfully, and recklessly misreporting my XXXX XXXX XXXX XXXX XXXXXXXX student loan accounts. Equifaxs reporting is contradictory, inaccurate, misleading, unlawfully re-aged, and materially harmful to my credit profile. 

Factual Background The loans in question are federal student loans serviced by XXXX for the XXXX XXXX XXXX XXXX 
Equifax is reporting these tradelines as installment accounts with histories of XXXX, XXXX, and XXXX day late payments.

Equifaxs credit score risk factor specifically penalizes me for : Too many installment accounts with a delinquent or derogatory payment status. 
Equifax has re-aged these loans by updating them as if derogatory activity continued into XXXX, when the true Date of First Delinquency ( DOFD ) occurred years earlier. 
Equifax shows contradictory payment dates compared to TransUnion and XXXX. For example, Equifax lists my last payment as XX/XX/XXXX, while XXXX  shows XX/XX/XXXX. 
This demonstrates systemic breakdown in Equifaxs duty to assure accurate reporting. 

Contradictions in Reporting 1. Charge-off vs. Past Due Equifax simultaneously reports these student loans as charged off/collection and currently past due. This is impossible. An account can not be closed and charged off while still accruing late payment notations.

2. Illegal Re-aging into XXXX Equifax falsely reports the loans as updated in XXXX, making it appear that I am in active delinquency XXXX XXXX This is an unlawful re-aging practice that extends the negative impact beyond legal limits.

3. Conflicting Payment Histories Equifax reports a last payment in XXXX, while XXXX  shows XXXX. Both can not be true. This inconsistency reflects XXXX failure to ensure maximum accuracy as required by law. 



Legal Violations by Equifax Fair Credit Reporting Act ( FCRA ) 607 ( b ) 15 U.S.C. 1681e ( b ) : Equifax failed to follow reasonable procedures to ensure accuracy.

611 ( a ) 15 U.S.C. 1681i ( a ) : Equifax failed to reinvestigate disputed information meaningfully.

623 ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( a ) ( 5 ) : Equifax unlawfully re-aged delinquent accounts by extending dates into XXXX. 
605 ( a ) 15 U.S.C. 1681c ( a ) : Equifax is illegally extending the seven-year reporting period.

616 & 617 15 U.S.C. 1681n & 1681o : Equifax is liable for willful and negligent noncompliance, exposing it to statutory, punitive, and actual damages. 

Fair Debt Collection Practices Act ( FDCPA ) 807 ( 2 ) ( A ) 15 U.S.C. 1692e ( 2 ) ( A ) : Equifax misrepresents the character, amount, or legal status of the loans.

807 ( 10 ) 15 U.S.C. 1692e ( 10 ) : Equifax uses false or deceptive means by presenting old, resolved accounts as if they are currently delinquent. 



Case Law Precedents XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Furnishers and CRAs may be liable for failing to correct misleading reporting after disputes. 
XXXXXXXX XXXX  Equifax, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : CRAs can not simply parrot furnishers ; they must evaluate accuracy and completeness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Misleading reporting, even if factually true, violates FCRA. 
XXXX XXXX. Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax liable for failing to correct inaccurate information. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) : Inaccurate credit reporting that creates concrete harm is actionable. 



Regulatory Enforcement Precedents CFPB Consent Order, In re Equifax IncXXXX, XXXX : Equifax fined for systemic accuracy failures. 
FTC v. Equifax, Civil Action No. 1:00-CV-0087 ( N.D. Ga. 2000 ) : Equifax sanctioned for accuracy and compliance violations. 
CFPB v. Equifax ( XXXX data breach case ) : Equifax required to adopt strict reforms in data handling and consumer reporting integrity.

Consumer Harm Equifaxs false reporting is not academic it has caused real and measurable damage : Suppressed Credit Scores : Equifaxs derogatory reporting pushes my score into the unfavorable range ( XXXX ). 
Credit Denials : I have been denied access to mortgages, auto loans, and credit cards due to this reporting. 
Higher Costs of Credit : When approved, I face significantly higher interest rates. 
Housing Harm : Landlords reviewing my Equifax file have wrongly viewed me as a high-risk tenant.

Employment Damage : Employers conducting credit checks see misleading derogatories, harming opportunities.

Emotional Distress : Being falsely portrayed as chronically delinquent has caused humiliation and stress.

Company response to consumer: Closed with non-monetary relief