Consumer complaint received 2025-10-19 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: FL

Complaint narrative:
Subject : Formal Complaint Inaccurate Late Payment & Account Reporting RE : XXXX XXXX Account No. Last 4 : [ XXXX ] To Whom It May Concern : I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate and unverifiable late payment reporting by XXXX XXXX on Experian Information Solutions , IncXXXX ; TransUnion LLC, Equifax Information Services LLC credit reports ( Account No. [ Last 4 : XXXX ] ). The reported late payment is incorrect and has caused substantial harm to my credit reputation. 

This complaint pertains to multiple student loan accounts under the same servicer, XXXX XXXX, reflecting the following current balances : Loan 1 Date Account Opened : XXXX Balance : {$3800.00} Loan 2 Date Account Opened : XXXXBalance : {$2300.00} Loan XXXX Date Account Opened : XX/XX/XXXX Balance : {$1900.00} Loan 4 Date Account Opened : XX/XX/XXXX Balance : {$1900.00} Loan 5 Date Account Opened : XX/XX/XXXX Balance : {$4700.00} Loan 6 Date Account Opened : XX/XX/XXXX Balance : {$2100.00} Each of these balances is reported under the same overall account relationship. The late payment reflected on one or more of these tradelines is disputed as inaccurate, unverifiable, and reported in violation of federal law.

Legal Basis For this closed-end student loan account and its sub-accounts, the reporting violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i ( a ) requiring a reinvestigation of disputed information within 30 days of notice.

15 U.S.C. 1681e ( b ) requiring that all reported information be accurate to the maximum extent possible.

15 U.S.C. 1681s-2 ( b ) imposing a duty on furnishers to conduct a meaningful investigation and correct or delete any information found to be inaccurate or unverifiable. 

Unless XXXX XXXX can provide verifiable documentation ( including payment posting records, billing statements, and any applicable grace period details ) supporting the reported delinquency, the late payment entry must be deleted immediately from all credit bureau reports.

Demands I respectfully demand that the CFPB ensure that Experian Information Solutions , Inc. ; TransUnion LLC, Equifax Information Services LLC and XXXX XXXX and XXXX XXXX : 1. Conduct a full reinvestigation of the disputed late payment ( s ) for the above balances.

2. Delete any inaccurate or unverifiable late payment data.

3. Provide written confirmation of deletion or furnish detailed documentation that was used to verify the accuracy of the late payment ( s ).

4. Provide copies of any documentation proving payment posting history and due date application for each of the six balances listed above.

5. Ensure compliance with 15 U.S.C. 1681i ( a ), requiring reinvestigation and correction or deletion of any disputed information within 30 days of notice.

Notice of Intent If this matter is not resolved within the statutory 30-day period, I intend to escalate the complaint to the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) I further reserve my right to pursue civil action under the FCRA for actual, statutory, and punitive damages including attorneys fees for any willful or negligent noncompliance by the furnisher or the consumer reporting agency.

Company response to consumer: Closed with explanation