Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Against XXXX XXXX, Experian, XXXX, and XXXX Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Phone : XXXX Email : XXXX Subject of Complaint : Fraudulent & Inaccurate Credit Reporting by XXXX XXXX and Credit Bureaus Hindrance of Financial & Educational Opportunities Due to Violations of the FCRA & Higher Education Act 1. Summary of Issue I am filing this complaint against XXXX XXXX XXXX, Experian, XXXX, and XXXX for their willful violations of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Higher Education Act ( 20 U.S.C. 1087e et seq. ). 

Despite multiple disputes, XXXX XXXX continues to report an account ( Acct # XXXX ) that was sold to another lender, which means XXXX XXXX no longer has legal ownership or the right to report this loan. However, XXXX XXXX has refused to correct this error, and the credit bureaus have failed to properly investigate and remove the inaccurate reporting. 

Additionally, the credit bureaus are reporting an inaccurate payment history, reflecting a false 60-60-90-day delinquency pattern, which has severely damaged my creditworthiness. This is false, misleading, and a clear violation of federal law. 

2. Impact of XXXX XXXX & Credit Bureau Violations Because of Sallie Maes fraudulent and predatory reporting, and the credit bureaus failure to remove inaccurate information, I have suffered significant financial, career, and educational damages, including : Denial of mortgage loan applications, preventing me from purchasing a home. 
Denial of credit card approvals and higher interest rates, restricting my access to credit. 
Increased car insurance premiums, due to false negative credit reporting affecting my credit-based insurance score. 
Hindered ability to obtain auto financing at competitive rates, resulting in financial losses. 
Financially prevented from returning to school to complete my medical degree and pursue my career as a doctor. 
Forced into a lower-paying position as a nurse due to the financial constraints imposed by deceptive student loan practices. 
The school that received the loan funds failed to provide me with the proper education required for my career path, violating my rights as a borrower and student. 

XXXX. Violations of Federal Law By continuing to report this fraudulent account and refusing to correct my credit file, XXXX XXXX and the credit bureaus are in direct violation of multiple federal laws, including : A. Fair Credit Reporting Act ( FCRA ) Violations 1.FCRA 1681s-2 ( a ) Duty to Provide Accurate Information XXXX XXXX must stop reporting this account since it was sold. 
A sold account must reflect a {$0.00} balance and be marked as Transferred or Sold, with no further updates by the original creditor. 
XXXX XXXX continued reporting after selling this account is an illegal violation of the FCRA. 
2.FCRA 1681e ( b ) Credit Bureaus Duty to Ensure Maximum Possible Accuracy Experian, XXXX, and XXXX have XXXX to remove the erroneous 60-60-90-day delinquency pattern, which is factually incorrect. 
The bureaus have failed to conduct a reasonable investigation as required by law. 
3.FCRA 1681i ( a ) Right to Reinvestigation of Disputed Information Despite multiple formal disputes, Experian, XXXX, and XXXX have refused to correct or remove this false information, violating my consumer rights under the FCRA. 

B. Higher Education Act ( HEA ) Violations ( 20 U.S.C. 1087e ) 1.Failure to Report Accurate Loan Information XXXXXXXX XXXX misrepresentation of my account balance and delinquency history is illegal under HEA 1087e ( f ), which requires student loan servicers to ensure accuracy.

Any loan that has been transferred must comply with the Department of Educations servicing and reporting requirements under 34 CFR 682.208 and 682.209.

2.The School That Received My Loan Funds Failed to Provide a Proper Education The school I attended did not provide me with the necessary training to succeed in my chosen field, violating federal requirements for Title IV funding eligibility. 
I was left with a financial burden that did not yield the promised educational value and was forced to accept lower-wage employment due to lack of proper education.