Consumer complaint received 2021-03-22
Company: Experian Information Solutions Inc.
State: WI
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:
cfpb complaint XXXX that was closed the loans XXXX is 7 years old and needs to be removed from experian report Company responded on XX/XX/XXXX On XX/XX/XXXX, we sent you a letter advising the XXXX trade line will remain on your credit report for seven years from the date the loan was paid in full. Your loan was reported paid in full or closed on XX/XX/XXXX. 

it has been 7 years experian should have deleted both XXXX trade lines here is the full companies response Company 's Response Dear XXXX, Thank you for your inquiry regarding your federal student loan account with XXXX XXXX XXXX. The Consumer Financial Protection Bureau forwarded your inquiry to us for a response. We take your concerns seriously and appreciate the opportunity to respond. As we understand it, you believe it has been seven years since your federal student loan data was furnished to the consumer credit agencies. You are requesting we remove the loan data. You had two federal student loans on behalf of the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. These include XXXX XXXX disbursed throught the XXXX XXXX XXXX XXXX XXXX XXXX. We approved your application for XXXX and XXXX XXXX XXXX XXXX XXXX Discharge on XX/XX/XXXX. On that date, you entered into the three-year, post-discharge monitoring period. On XX/XX/XXXX, we mailed you a letter advising you had successfully completed the three-year, post-discharge monitoring period and we permanently discharged your loans. On XX/XX/XXXX, we sent you a letter advising that we reported to the consumer credit agenices that your loans have been discharged. On XX/XX/XXXX, we sent you a letter advising the XXXX trade line will remain on your credit report for seven years from the date the loan was paid in full. Your loan was reported paid in full or closed on XX/XX/XXXX. Based on your request and the information you provided, we carefully reviewed your loan and the corresponding data furnished to the consumer reporting agencies. Under the Fair Credit Reporting Act, we have an obligation to ensure data we furnish to consumer reporting agencies is accurate. Our research indicates the data accurately reflected your loan status at the time it was furnished. If you dispute the accuracy of data we furnished, please provide your account number and details of your specific dispute, including the basis of your dispute and supporting documentation substantiating the dispute, to the address below. You can also email your dispute to XXXX. XXXX XXXX. XXXX XXXX XXXX, NE XXXX Once received, we will investigate your dispute and communicate the results of our investigation. We hope you find this information helpful. If you have any other questions, please call us at XXXX, from XXXX XXXX. to XXXX XXXX. ( Eastern ) MondayFriday. You can also visit our website at XXXX, or email XXXX. Sincerely, XXXX XXXX XXXX XXXX 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