Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX lost their class action lawsuit. I called to find out why I wasn't being updated when I signed up for the suit. XXXX claimed they couldn't find me under my current name or my previous name ( XXXX XXXX XXXX, by my SSN, or anything. I told them I went to XXXX XXXX XXXX XXXX, which was bought out by XXXX before I had finished my first year, then XXXX was bought by XXXX XXXX a few years after I graduated. XXXX told me that they didn't include loans taken out by students while they attended XXXX and even though their records showed I had loans while at XXXX, I was left out of the lawsuit because they never updated the records when XXXX was bought by XXXX. This is wrong. I don't think they didn't update the records based on the hundreds of phone calls I received from their collections dept. They always referenced XXXX. XXXX knew, and they intentionally omitted me from the settlement. I honestly think it was because I had been fighting them since XXXX. I'm so tired of fighting them. Every dispute, every claim, everything has been denied by XXXX and their denial has been accepted as truth, even after they lost a massive class action suit regarding their student loan practices. You can look back at my last two complaints about XXXX to see all of the details as to why I signed up for the class action suit in the first place. I never would have if my experience didn't align with the lawsuit allegations. They're still on my report, I can not see past XXXX but the collections started well before I graduated in XXXX. Just based on that alone, " missing '' payments prior to graduating, puts me well past the 7yr mark from the date of the first missed payment, which means XXXX should be removed from my credit. But when I dispute with the credit bureaus, they ask XXXX and XXXX says they didn't do anything wrong ( the lawsuit allegations say otherwise ), and the credit bureaus deny my claim. I'm tired, I'm so tired of fighting the one company that is keeping my credit score low and making it hard for me to obtain any future financing, re-financing, or anything. Please, please, please help me get them off of my credit. While I want to be re-paid for all the money I gave to XXXX just to get them to stop calling me & my family numerous times a day for years without allowing forbearance or deferments or working with me on a realistic repayment plan, I'm not holding my breath. My husband, whom I hadn't even met yet when XXXX duped me out of thousands of dollars and I graduated 3 years before we met, borrowed from his 401k just to get XXXX to settle and stop the harassment, the incessant phone calls to me, to him, my dead grandmother ( they'd call my number and leave a message for her ), the letters to me, my husband and my dead grandmother ( again, come to my address but her name on them ). 5 years ago, he did this, and he's still paying back his 401k to catch it back up. I don't even know how they got his name or phone number. My husband wasn't on any of my student loans and we filed our taxes married but separate. Yet, they started calling & mailing him regarding my loans. AND they got away with all of it by not updating their records to reflect the XXXX buyout and not disclosing that to the prosecution in the class action suit. I know I am not the only student from XXXX that has been financially & mentally hurt. Oh, and I contacted our state 's attorney general 's office involved in the lawsuit after I discovered this omission, but they said they couldn't help in this stage of the game.

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