Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was under a repayment plan with XXXX since XX/XX/XXXX Suddenly they ruined my credit score and they are now saying I was never in a repayment plan! This is UNFAIR and I have paid them since the start of the pandemic for my student loans. Of note, these are private student loans which are not federal, but even so, federal student loans are currently on hold by the government, even so XXXX has been maliciously hurting my credit score and and telling me that I never paid since XXXX. I would like my credit score to be reversed immediately. 

XX/XX/XXXX Show additional information for activity type debit cards XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX as Reconciled XXXX XX/XX/XXXX Show additional information for activity type debit cards XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX as Reconciled XXXX XX/XX/XXXX Show additional information for activity type debit cards XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX as Reconciled XXXX XX/XX/XXXX Show additional information for activity type debit cards XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX as Reconciled XXXX XX/XX/XXXX Show additional information for activity type debit cards XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX as Reconciled XXXX XX/XX/XXXX Show additional information for activity type debit cards XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX as Reconciled XXXX XX/XX/XXXX Show additional information for activity type debit cards XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX as Reconciled XXXX XX/XX/XXXX Show additional information for activity type debit cards XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX as Reconciled XXXX XX/XX/XXXX Show additional information for activity type debit cards XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX as Reconciled 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