Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14245349
Complaint Overview
Complaint ID: 14245349
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Louisiana
ZIP Code: 70001
Date Received: 2025-06-23T12:00:00-05:00
Date Sent to Company: 2025-06-23T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
my student loans originally were serviced by XXXX, and now with XXXX. In XX/XX/2020, XXXX reported delinquency on my student loans during a period of significant financial and national disruption at the start of the COVID-19 pandemic. While I understand my loans were structured as separate disbursements, my repayment was handled as a single monthly payment, which was then distributed across multiple loan accounts. Due to what I believe may have been confusion about the timing of my re-entry into repayment, one payment may have been missed. However, this resulted in 13 separate delinquency marks being reported to the credit bureausone for each individual tradelinedespite being the result of a single payment error. This disproportionate reporting has had a severe and long-lasting impact on my credit. I submitted a goodwill request to the servicer, which was denied. I also disputed the item with the credit bureaus with no resolution. It is unclear to me whether the delinquency occurred before or after the CARES Act protections began in XX/XX/2020, but I believe this situation deserves a fair review given the extraordinary circumstances. Since then, I have fully repaid my loans, have no student loan debt, and maintain a strong repayment history across all accounts. I respectfully request a formal investigation into the accuracy and fairness of the reporting, with the hope that this can be adjusted to more accurately reflect my payment history and circumstances. Thank you for your time and attention.
Frequently Asked Questions
What is Complaint #14245349 about?
Complaint #14245349 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-06-23T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.