Livid at Equifax- Paid default student loan issue

[Rottweilerlvr]

I'm getting the run around with Equifax and Student loans. Both tell me I need to call the other and that this is the others fault. I really don't care whose fault this is, I just want it fixed. I got an alert with Credit Karma that something changed with Equifax and my score plummeted. Equifax is reporting 120 day late payment in February when I paid my (default) student loans off in July 2020. I disputed and it just came back as verified.  How am I 120 days late on a paid account? And more importantly, what do I do? 

[Anonymous]

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@Rottweilerlvr wrote:

I'm getting the run around with Equifax and Student loans. Both tell me I need to call the other and that this is the others fault. I really don't care whose fault this is, I just want it fixed. I got an alert with Credit Karma that something changed with Equifax and my score plummeted. Equifax is reporting 120 day late payment in February when I paid my (default) student loans off in July 2020. I disputed and it just came back as verified.  How am I 120 days late on a paid account? And more importantly, what do I do? 

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Did you rehab this SL or just pay it off?

[Rottweilerlvr]

Just paid it off in 8 weeks last summer when I was working 12 hr shifts, 6 days a week. Know nothing about rehabbing. Equifax did take the 120 off for February. 

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@Anonymous wrote:

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@Rottweilerlvr wrote:

I'm getting the run around with Equifax and Student loans. Both tell me I need to call the other and that this is the others fault. I really don't care whose fault this is, I just want it fixed. I got an alert with Credit Karma that something changed with Equifax and my score plummeted. Equifax is reporting 120 day late payment in February when I paid my (default) student loans off in July 2020. I disputed and it just came back as verified.  How am I 120 days late on a paid account? And more importantly, what do I do? 

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Did you rehab this SL or just pay it off?

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[calyx]

Equifax can only report what the Dept of Ed gives them, so ultimately it's the Dept of Ed's issue.

If you haven't already, I would send them a letter to correct the reporting if you haven't already (not a phone call).
If they haven't resolved it after written communication, file a complaint with the CFPB with the timeline & copies of any correspondance as supporting evidence.

I had a similar issue with them a couple of years ago, and it took a CFPB complaint to get it fixed.