Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
Subject : Formal Complaint Against XXXX Failure to Correct Inaccurate Student Loan Reporting and Respond to Dispute/Validation Request XXXX XXXX XXXX Account ( s ) Associated with # XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against XXXX regarding its persistent inaccurate reporting of federal student loan information associated with Account # XXXX to the major credit reporting agencies ( CRAs ) Equifax, XXXX, and XXXX. Furthermore, XXXX has failed to respond adequately to a direct dispute and debt validation request concerning this matter. 

On XX/XX/XXXX, I sent a formal letter ( copy attached ) to XXXX disputing the information they were furnishing regarding account number XXXX ( which appears to be one of the entries related to the primary account number referenced above ). In my letter, I stated that : The loan ( s ) in question were consolidated and should not be reported as separate, outstanding loans.

I requested immediate investigation and correction of this inaccurate reporting.

I requested validation of the alleged debt under the FDCPA, 15 U.S.C. 1692g, including specific documentation like the original agreement, consolidation proof, payment history, and proof of authority to collect.

Despite this direct communication sent nearly two months ago, XXXX has failed to correct the inaccurate information it furnishes and has failed to provide the requested debt validation documents. 

My credit reports, dated XX/XX/XXXX, confirm that XXXX continues to furnish inaccurate and inconsistent information related to Account # XXXX. The specific issues include : Inaccurate Status : Reporting loans as separate and outstanding despite having been consolidated. 

Inconsistent Balances : Differing balances reported across the three CRAs for the same underlying obligations. 

Inconsistent Delinquency/Due Dates : Conflicting information regarding payment status and due dates across bureaus. 

Potential Duplication/Incorrect Splitting : Multiple entries appear potentially duplicated or incorrectly structured. 

Outdated/Unverified Delinquency : Some entries show a status of 120+ days late without current documentation or recent activity ( since XXXX ), inconsistent with a consolidated loan status. 

XXXX 's actions constitute violations of the Fair Credit Reporting Act ( FCRA ). By furnishing inaccurate and inconsistent information, XXXX violates its duty under 15 U.S.C. 1681s-2 ( a ). By failing to adequately investigate and respond to my direct dispute from XX/XX/XXXX, XXXX has likely violated its duties under 15 U.S.C. 1681s-2 ( b ). Their failure to provide the requested validation documentation is also noted. 

This ongoing inaccurate reporting creates a false representation of my credit history and negatively impacts my creditworthiness.

Company response to consumer: Closed with non-monetary relief