Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this complaint regarding a student loan account reported by XXXX that appears on all three credit bureaus under account numbers ending in XXXX. This account is currently in deferment, reporting a $ XXXX monthly payment, and is marked as current, yet it contains multiple reporting violations and inconsistencies that must be addressed immediately. 
First, this account is an educational record and therefore falls under the Family Educational Rights and Privacy Act ( FERPA ). Under FERPA, my * * student loan servicer has no legal right to share my educational data, including my loan details, with credit bureaus without my explicit, signed consent. I have never provided signed FERPA authorization for XXXX or any federal servicer to report my loan history to Experian, Equifax, or TransUnion. This is an unauthorized third-party disclosure of protected educational information in violation of FERPA and the Department of Education 's own policies. 
Second, this account is reporting conflicting and inaccurate data across the credit bureaus, which is a direct violation of FCRA 607 ( b ) and FCRA 602. Here are the specific inaccuracies : Terms mismatch : TransUnion reports XXXX months, Experian reports XXXX months, and Equifax reports XXXX  months. This is a blatant inconsistency. 
Payment history is marked OK and current, yet the account is in deferment, and no payments have been madea contradiction that violates FCRAs accuracy requirement. 
The date of last payment is reported as XX/XX/2024 across the bureaus, which conflicts with the fact that no payments were required or made due to deferment statusagain, inaccurate and misleading. 
The comment field varies by bureau ( e.g., payment deferred, student loan fixed rate, etc. ), which introduces further reporting inconsistency. 
Furthermore, under FCRA 609 ( a ) ( 1 ) and 611, I have the right to request verification of any information furnished to credit bureaus. XXXX has failed to produce any original contract with my wet ink signature, nor has it verified the legitimacy of their permissible purpose in reporting this account while in deferment. The reporting itself appears to be unverified, inaccurate, and inconsistent, and no sufficient documentation has been provided despite my repeated disputes. 
I am demanding an immediate and full deletion of this account from all three major credit bureausTransUnion, Experian, and Equifaxdue to : Inaccurate and unverifiable reporting FERPA violations and unauthorized sharing of educational records Inconsistent data across bureaus Misleading payment history while in deferment Failure to validate under FCRA 609 ( a ) ( 1 ) Violations of FCRA 602, 607 ( b ), 611, and related provisions I expect immediate action and permanent deletion of this account. If no resolution is made, I will escalate with a formal complaint to the Department of Educations Office for Civil Rights and initiate legal action under FERPA and the FCRA.

Company response to consumer: Closed with non-monetary relief