Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I, XXXX XXXX XXXX, am writing to formally register a complaint and seek redress regarding my participation in the Sweet vs. Cardona Borrowers Defense Class Action Settlement ( Application Number # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ] ). I believe my case merits special attention due to the following facts : I am addressing the inclusion of the following tradeline on my credit report : - Account Name : MOHELA/DEPT OF ED - Account Number : XXXX - Loan Award ID : XXXX - {$4800.00} - Loan Award ID : XXXX - {$7500.00} - Loan Award ID : XXXX - {$7500.00} - Loan Award ID : XXXX - {$13000.00} - Loan Award ID : XXXX - {$20000.00} I believe this tradeline violates the terms of the settlement agreement and consumer protection laws under the Fair Credit Reporting Act ( FCRA ). As a Sweet class member, I have the right to keep these loans in administrative forbearance until I receive a discharge or a decision on my application ( s ), as specified in the settlement terms. 

I request that the credit reporting agencies promptly investigate this matter to ensure that my credit report accurately reflects my status as a borrower defense applicant in administrative forbearance. The FCRA and the settlement agreement require that my credit reports accurately represent my financial obligations and rights under the law. 

As a XXXX class member, I have the right to keep these loans in administrative forbearance until I receive a discharge or a decision on my application : XXXX, as specified in the settlement terms. 

I understand that the Sweet vs. Cardona Borrowers Defense Class Action Settlement is designed to address cases where borrowers have been subject to unjust treatment related to their student loans. Given the circumstances of my case, I believe it falls within the scope of this settlement. 

I have reviewed the terms of the Sweet vs. Cardona Borrowers Defense Class Action Settlement, and I believe that my situation is directly related to the objectives and provisions outlined in the settlement. Therefore, I request a thorough review of my case to determine if I am eligible for reimbursement and restitution under the settlement terms. 

Enclosed with this complaint, you will find supporting documentation : 1. Copy of Dispute Statement 2. Copy of Request for Enforcement of Settlement Rights to Privacy and Accuracy of Information ( Dept. of Education Letter ) 3. Copy of Borrowers Defense Class member participation and eligibility for administrative forbearance.

4. XXXX XXXX XXXX Misconduct, Misrepresentations, and Breach of Contract and Fiduciary responsibility claim evidence and copies of email correspondence. 
5. Copy of your drivers license ( Proof of Identity ) 6. Copy of Bank Statement ( Proof of Address ) 7. Loan Details - Copies of XXXX XXXX credit report highlighting discrepancies.

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