Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: OR
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: Their investigation did not fix an error on your report

Complaint:
My student loans have been bought or transferred 3 times now to new companies. XXXX XXXX to XXXX to XXXX now. 
I've always renewed IDR ( income driven repayment plan ) ontime. On XX/XX/2023 XXXX added 10 late payments to my Experian credit report. Effectively destroying my credit that I've been desperately trying to improve. 
I've had several frustrating conversations with both XXXX and experian and both are blaming the other party and refusing to do anything to fix it. 
Whats more ridiculous is also the fact that the entire country 's student loans were paused at this time so either reason they want to use ( the current IDR or nationwide freeze ) is proof in itself! Ive stayed in contact with Aidvantage throughout the pandemic in regards to when I'll need to update the IDR once the freeze is over and they assured me that I'd get a letter in the mail and an email when I needed to reapply and that everything was current on my end. No email or mail was sent. 
When I see my report I contact aidvantage and they assure me that the nation is still on freeze and that my IDR is also still in place and good for a year at this time. They said they don't have any history of late payments from XX/XX/2023 and to contact experian the credit reporting agency where i saw this. 
I call experian and they claim that they don't just add things without it being sent from the creditor. I told them XXXX says they have no record of any late payments from XX/XX/2023 and I want to know it's on there and damaging my credit and have it removed. They tell me I can't dispute anything online and that I'd have to go print forms and fill them out and send them in an envelope via snail mail. I did all of this. Sent everything to experian. They never called with the results so I called them and the woman I spoke to told me that they denied all 10 of my disputes. Ive called both XXXX and Experian milultiple times ; everyone is very incompetent and has no idea whats going on and are rude when I voice my frustration to them. They both deny any responsibility and blame the other party. I don't really care who did what, I just really need it to be fixed because I'm single widowed mom of XXXX school aged kids with no family to help me who's completely on her own and unable to qualify for anything because of my credit. Co signers, money, help from family isn't something I've ever had or ever will have. 
I was XXXX when my fiancee suffered a XXXX XXXX XXXX XXXX XXXX XXXX the day after XXXX when our daughter was just XXXX mts old. He was just XXXX at the tine ; he was in XXXX XXXX XXXX XXXX XXXX for 18 days and XXXX XXXX XXXX before passing. My credit took several hits early on from just not being able to get by ; they're were many times I had to chose between feeding my kids or paying a bill. Sometimes you have to do what you have to do just to survive in the moment. Or using money for gas and daycare but ultimately not have enough to pay all the bills ontime all the time. Paying late fees on everything because the money is just not there. Feeling stuck because I'd pay more for my kids to go to daycare than I would even make working. Tried to go to college to make a better life for us but these student loans were definitely a mistake and have wreaked havoc on my credit since I ignorantly took them out at XXXX after going through something traumatic and doing what everyone told me to do and what I thought was the right choice for mine and my kids futures. Looking back it was a huge mistake. Its only held me back. I owe all this money and it's only getting worse. I'll never qualify for a house of my own. With the rent I've paid in the last 14 years I could've owned my own home. But I'll continue to pay someone else 's mortgage of and help them build wealth for themselves. I have pay extra deposits on my utilities due to my credit. I have to pay enormous deposits if I can finally get someone to approve us for the lowest quality apartments there are. My car broke down and I had to have a vehicle to get my kids to school. We don't live in the school bus line radius. So after about 15 inquires on my credit further damaging it I was able to get approved for a 19 % interest rate. This means Ill pay over double for my car with gigantic monthly payments that have the intrest frontloaded so even though I've been paying my enormous car payment I can't afford ontime for 2 years it's done nothing to bring my credit off and I've paid absolutely nothing on the principle of the car. It's incredibly expensive being broke. I'm XXXX now and I am still struggling every single day just to make ends meet and take care of my kids. 
I was at the credit union that's been working with me for 2 years to try and refinance my car for the 4th time and was once again denied due to these 10 new late payments on my credit. I spent 2 years working with them, even purchased a " secured credit card '' ( so I paid my own money to them to put on a card I could use like credit to try and build it ). All was denied again due to the new 10 negative items on my report. 
I've been working on my credit for several years now because it's essentially ruined my life. To work so hard to barely bring it up for years and then have it knocked down again over something that's incorrect and have both companies refuse to help is beyond frustrating. I feel at a loss. I don't know what else I can do.

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