Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I. BACKGROUND Over the last five ( 5 ) years I, XXXX XXXX XXXX ( Consumer and/or Plaintiff ), have been DENIED access to extended credit opportunities via Credit Cards , Lines of Credit for my Businesses , and even been denied employment and professional advancement opportunities because of the numerous, egregious, fraudulent, unauthenticated, and negligently reported INACCURATED, AGED, DUPLICATE ACCOUNTS, and/or NOT MINE but are still being negatively reported on my credit file. These negative reports has caused me irreparable harm, emotional harm and distress, damages, loss of income and loss of employment opportunities via my inability to have my Secret level security clearance restored because of the fraudulently perceived Bad Credit image that has been falsely stained my character by XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, EXPERIAN, XXXX, XXXX, XXXXXXXX XXXX  XXXX, and other Credit Reporting Agencies ( individually and/or collectively the CRA and/or Defendant and Disputed Account Holders ), all in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the Maryland Consumer Credit Reporting Agencies Act, Annotated Code of Maryland, Commercial Law Article, 14-1201, et seq.

I recently applied for a Commercial Realestate Loan for a property that I was looking to purchase for my business and potentially build a primary homesite for me and my family in my hometown of XXXX XXXX, GA. HOWEVER, I have been DENIED the extension of credit by the lending institution because Equifax 1 ) reported by Credit Score to them at a XXXX rating ; and 2 ) have negatively and falsely reported me having over 229 instances of DELINQUENCIES and/or LATE PAYMENTS over 90 days, which is wholly INACCURATE and mathematically IMPOSSIBLE!!!! See Exhibits A & B. 
Ive constantly disputed the accuracy of the information in my credit file over the last 5 years. After reviewing my credit report, I am writing to dispute the following inaccurate information. I am listing each item along with the way it should be IMMEDIATELY corrected as follows : II. HISTORY OF CONSUMERS EDUCATION / STUDENT LOANS BEING INITIATED, SERVICED, SOLD, AND RESOLD BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LOAN SERVICING COMPANIES CAUSING IRREPARABLE HARM TO CONSUMER I graduated from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I then graduated from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XX/XX/XXXX with my XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Student Loan debt because I had a XXXX XXXX XXXX XXXX 
I began mXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to my XXXX XXXX XXXX  Account printout by Term, I ONLY OWE A TOTAL OF {$98000.00} in total Student Loan Debt and ALL of it has been at XXXXXXXX XXXX for my XXXX XXXX XXXX 
When I secured my initial student loans through XXXXXXXX XXXX  XXXX XXXX XXXX ( XXXX ) was the initial loan servicer for my student loans on behalf of the U.S. Department of Education. Then after about two years, my student loans were SOLD/ TRANSFERRED from XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as the new owner and/or Servicer of the student loans. This is documented via Exhibit A, Pages 6 10, for all of the following student loan accounts : 1 ) # XXXX - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$3400.00} XXXX ) # XXXX - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$8500.00} XXXX ) # XXXX - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$12000.00} XXXX ) # XXXX - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$9300.00} XXXX ) # XXXX - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$10000.00} XXXX ) # XXXX - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$8500.00} XXXX ) # XXXX - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$20000.00} XXXX ) # XXXX - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$10000.00} The collective loan amounts borrowed from XXXX, which were eventually transferred to XXXX, totals {$82000.00} which is directly consistent with the student loan amounts shown on my XXXXXXXX XXXX Account Summary by Term, enclosed as Exhibit C. 
Beginning around fiscal year XXXX or so, my student loans were again SOLD/ TRANSFERRED from XXXX as the owner and/or loan servicer over to XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX who is now the current loan servicer for my student loans on the behalf of the U.S. Department of Education . HOWER, when my student loans were received by XXXX they ASSIGNED NEW ACCOUNT NUMBERS TO MY LOANS WHICH CREATED NEW AND DUPLICATE INSTALLMENT ACCOUNTS TO SHOW UP ON MY CREDIT PROFILE!!! This is documented via Exhibit A, Pages 10 13, for all of the following student loan accounts : XXXX ) # XXXX - DEPT OF ED/XXXX XXXX Account XXXX - {$20000.00} XXXX ) # XXXX - DEPT OF ED/XXXX XXXX Account XXXX - {$8500.00} XXXX ) # XXXX - DEPT OF EDXXXX XXXX Account XXXX - {$9300.00} XXXX XXXX # XXXX - DEPT OF ED/XXXX XXXXXXXX Account XXXX - {$8500.00} XXXX ) # XXXX XXXX DEPT OF ED/XXXX XXXX Account XXXX - {$3400.00} XXXX ) # XXXX - DEPT OF ED/XXXX XXXX Account XXXX - {$12000.00} XXXX ) # XXXX - DEPT OF ED/XXXX XXXXXXXX Account XXXX - {$10000.00} XXXX ) # XXXX - DEPT OF ED/XXXX XXXXXXXX Account XXXX - {$10000.00} The collective loan value of these student loan installment accounts owned and/or serviced by XXXX totals {$82000.00} which again is the EXACT TOTAL for the SAME eight ( 8 ) installment accounts as listed above that were transferred over to them from XXXX and XXXX!!! Additionally both XXXX and XXXX still continued to negligently report the same accounts which they previously SOLD to XXXX on my credit profile which has now created DUPLICATE ACCOUNTS for the EXACT SAME STUDENT LOAN ACCOUNTS which has surely injured and caused irreparable harm to the consumer for the last 10 years at a minimum and continuing to date. 
Lastly, in XX/XX/XXXX I took advantage of the COVID-19 offer by the U.S. Department of Education to both 1 ) Consolidate my current Student Loans ; and 2 ) to have all of my student loan Payments deferred until AFTER the worldwide pandemic and National Emergency had been lifted by Congress via the CARES Act. As such, I consolidated ALL of my student loan debt directly with the DEPARTMENT OF EDUCATION as the owner and creditor of my new CONSOLIDATED student loans. XXXX is still the current Loan Servicer of my student loans on the behalf of the U.S. Department of Education. See Exhibits J & K. This is documented via Exhibit A, Page 5, for all the following student loan accounts which initially appeared on my credit profile on XX/XX/XXXX : XXXX ) # XXXX - DEPT OF EDXXXX XXXX Account XXXX - {$61000.00} XXXX ) # XXXX - DEPT OF EDXXXX XXXX Account XXXX - {$110000.00} The collective loan value of these newly CONSOLIDATED student loan installment accounts now owned EXCLUSIVELY by the U.S. Department of Education, and now serviced by XXXX totals {$170000.00} which again appears to be inclusive of the U.S. Department of Education FRAUDULENTLY PAY FOR THE VALUE OF MY STUDENT LOANS THREE ( 3 ) TIMES TO EACH OF THE XXXX, XXXX, AND XXXX XXXX XXXXXXXX XXXX !!! ! As such, the Federal Government has already PAID IN FULL and CLOSED all of the SAME 16 student loan installment accounts as listed above that were transferred over to the Federal government from XXXX, XXXX and XXXX!!! UNFORTUNATELY, XXXX, XXXX and XXXX all still continued to negligently, inaccurately, and egregiously report the same accounts which they previously SOLD back to the Department of Education on my credit profile which has now created at total of 16 INACCURATE and DUPLICATE ACCOUNTS for the EXACT SAME STUDENT LOAN ACCOUNTS which has surely injured and caused irreparable harm to the consumer for the last 10 years at a minimum and continuing to date, which clearly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the Maryland Consumer Credit Reporting Agencies Act, Annotated Code of Maryland, Commercial Law Article, 14-1201, et seq., and the Maryland Consumer Protection Act ( MCPA ), Md. Code ( 2013 Repl. Vol., 2017 Supp. ), 13-101 et seq. of the Commercial Law Article ( C.L. ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation