Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX, I filed for a Total and Permanent XXXX Discharge of my loans with the Department of Education due to a XXXX. On XX/XX/XXXX, the Department of Education approved my application for my loans to be discharged. On XX/XX/XXXX, XXXX, the Total and Permanent XXXX Discharge Servicer for the Department of Education sent XXXX notice to transfer my loans to XXXX for discharge. On XX/XX/XXXX, XXXX sent me an email stating that my Total and Permanent XXXX discharge application was approved by the U.S. Department of Education on XX/XX/XXXX and that XXXX sent a request to have XXXX transfer my loans to XXXX on XX/XX/XXXX. On XX/XX/XXXX, XXXXXXXX XXXX out my accounts of my Student loans and transferred my loans to the Total and Permanent XXXX Servicer, which is XXXX for discharge. On XX/XX/XXXX, I filed a dispute with Experian against XXXX because Experian had continued to report that I still owed XXXX for Student loans in the amounts of {$3700.00}, {$3200.00}, {$2800.00}, {$3700.00}, {$2900.00}, {$1000.00}, {$5700.00}, {$4800.00}, {$2400.00}, {$4800.00}, {$1900.00}, {$5100.00}, {$3500.00}, {$1500.00}, and {$2300.00}. On XX/XX/XXXX, Experian finished its investigation of my disputes in which XXXX verified the loans as accurate and open accounts that I owe XXXX for Student loans in the following amounts : {$3700.00}, {$3200.00}, {$2800.00}, {$3700.00}, {$2900.00}, {$1000.00}, {$5700.00}, {$4800.00}, {$2400.00}, {$4800.00}, {$1900.00}, {$5100.00}, {$3500.00}, {$1500.00}, and {$2300.00}. On XX/XX/XXXX, XXXX had written a letter dated XX/XX/XXXX stating XXXX had notified me in a previous letter that the Department of Education had recently approved my discharge application on my Student loans. The letter went on to say that XXXX assists the Department of Education in administering the Total and Permanent XXXX discharge process. The letter goes on to say that XXXX stated that XXXX had received my loans and the Department had discharged my loans. The previous letter that XXXX is referring to is a letter that had been sent to me in XX/XX/XXXX. 
On XX/XX/XXXX, I filed another Dispute with Experian against XXXX. On XX/XX/XXXX, Experian had finished its re-investigation of my dispute and it was reported that I have a balance that is an open account with XXXX for a loan in the amount of {$3200.00} that is still showing that I owe XXXX for that loan, but the rest of the loans that I had disputed were shown as closed accounts at XXXX balances because the loans were paid. On XX/XX/XXXX, XXXX, MY CREDIT SCORE DROPPED XXXX points according to Experian, the same day as the investigation was completed. On XXXX/XXXX/XXXX, XXXX had responded to the complaint that I had filed against XXXX with the Consumers Financial Protection Bureau. XXXX provided a response that stated that XXXX had sent XXXX  notification on XX/XX/XXXX to have XXXX transfer my loans for discharge to XXXX. Also, my Student loan database on the Studentaid.gov website shows a XXXX balance on all of my loans. XXXX had informed me on XX/XX/XXXX that XXXX sent XXXX my loans on XX/XX/XXXX. On my Credit Report dated on XX/XX/XXXX sent to me by Experian, it shows that I still owe XXXX for a student loan in the amount of {$3200.00}. On XX/XX/XXXX, XXXX sent a letter showing that XXXX had XXXX out my loans that were in the TOTAL AMOUNT OF {$50000.00} and transferred my loans from XXXX to XXXX WITH a XXXX balances on XX/XX/XXXX. Overall, I don't owe XXXX  for Student Loans because my loans had been discharged by the Department of Education on XX/XX/XXXX and XXXX had transferred my loans to XXXX for Discharge of my loans at XXXX balances on XX/XX/XXXX, therefore there should be no reason why Experian has continued to report inaccurate accounts information on reports that I have an open account with XXXX in which I owe XXXX for Student Loans, even though, XXXX is no longer my loan servicer and my loans with XXXX had been XXXX out and transferred to XXXX and discharged by the Department of Education.

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