Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023, my student loan servicer, XXXX, notified me, by letter, that all my student loan debt which they were the servicer for had been forgiven. I confirmed this by checking my account on XXXX website and my balance is XXXX. My FSA account with the Federal Government, who transferred the debt to XXXX to service also has a XXXX balance. The letter also stated that all the credit bureaus would be notified that the debt had been forgiven by the end of the month which should have been the end of XXXX. I called Experian on XX/XX/2023 seeking information about how to get this debt removed from my credit report. I was advised to filed I dispute online, which I did, and they would investigate and contact XXXX. I initially filed on XX/XX/2023, but could not upload the supporting documents. I did research about how to upload documents and modified my dispute and re-submitted the supporting documentation which opened another dispute on XX/XX/XXXX. I had also gotten a notice from Experian stating that my claim ( Report # XXXX ) filed on XX/XX/XXXX stating the Dispute Results were ready. When I checked my credit report nothing had been updated and the debt had not been removed. I called Experian on XX/XX/XXXX after seeing that the debt had not been removed from my credit report which was the basis of my claim filed on XX/XX/XXXX. I explained that I had uploaded supporting documents from XXXX stating that my student loan debt had been forgiven with my claim filed on XX/XX/XXXX. I was told that the letter did not upload and that I could file another dispute which I did on XX/XX/XXXX. I got notice stating that the dispute report ( Report # XXXX ) was ready. It states that my account was updated on XX/XX/XXXX, but my credit report still is reporting that I owe the debt. The Experian agent also said per information that was given to their investigation team that XXXX said that the debt was valid and that they could not remove it from my credit report which I strongly disagree with. I am confident that had I been 60 days late paying a debt that have been reported promptly. As of today, XXXX XXXX, XXXX which is beyond the XXXX statutory limit for having inaccurate information removed from your Experian credit report. I am receiving notices for payment from XXXX. My balance is XXXX. After filing my second claim on XX/XX/XXXX I was told that it would be settled after XX/XX/XXXX. It has been over 30 days since my initial complaint which was filed on XX/XX/XXXX. Per Experian my claim filed on XX/XX/XXXX, was supposed to be settled after XX/XX/XXXX. My credit report remains the same and Experian is reporting a debt that I do not owe. I am asking that the student loan debt serviced by XXXX be removed promptly from my Experian credit report. I have also disputed this debt with XXXX and XXXX. Both credit bureaus state the claims filed with them will be settled on XX/XX/2023. I submitted a documentation for those disputes from XXXX the Federal Government student load department and the letter from XXXX stating that my student loan debt has been forgiven. My FSA balance is XXXX. Thank you very much. XXXX XXXX

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