Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an error on my credit report involving XXXX XXXX Bank and both mortgage and student loans. Iam a single parent and a deceased veterans widow. In XXXX I moved to XXXX Ga and utilized my VA loan to purchase my first home for {$180000.00}.. On XX/XX/XXXX. I sold my house in a short sale for {$150.00}, XXXX. My mortgage account was paid in full leaving a balance of XXXX I attendee graduate school, from XX/XX/XXXX to XXXX. Earning dual subject masters .I received a small portion of my education loans from XXXX XXXX XXXX XXXX XXXX All of my loans collectively are about XXXX, XXXX, inclusive of my XXXX and graduate loans. I am disputing amount of {$180000.00} that was added to my school loans in XXXX. I have no class or educational loans in the period of XXXX to XXXX that required me to obtain a loan for the disputed amount. In fact collectively my student loans for my graduate and under graduate programs were leas than the disputed amount of almost $ XXXX debt added to my loans whom where being serviced by Federal Loan Service XXXX I spent XXXX until XX/XX/XXXX .my Experian credit report reflected the removal of the disputed amount XXXX {$180.00}, XXXX A great XXXX present. 
On XX/XX/XXXX, all federal student loans were assigned to XXXX for loan servicing. I was told there was an error but no one will correct the account. I have disputed with the credit bureaus and the new agency XXXX. I also submitted communication from wellsfargo admitting that I had a mortgage with a very similar amount which was paid in full. Due to FCA laws XXXX XXXX admitted that they can not change account data, all credit reporting was deemed accurate. I also filed more than 5 disputes with Experian credit report I am now claiming identity theft because this is not my debt. Experian always agrees with a judgement favoring the creditor. Regardless of my supporting documents no one will attempt to correct this negative debt. Intially my credit plummeted due this notation I was unemployed and my credit report implied that I had ( at that time ) {$300000.00} in student loans.m the majority of that would have been the amount I am disputing. An amount close to my mortgage balance paid in full XX/XX/XXXX. XXXX. 
Experian customer service explained that they input all data on behalf of the creditors. Please see my communication with XXXX XXXX dated XX/XX/XXXX th XXXX XXXX agreed ( with my written permission ) to contact the credit agencies and request that they remove the trade lines and narratives associated with this disputed inaccuracy. In short, I believe that my having financial accounts ( mortgage and school loans ) in the same bank caused an administrative error. My mortgage data was placed under student loans both transactions ( loan and mortgage had an identical reference number. I have contacted all parties involved in this dispute. There have been no corrections by EXPERIAN OR XXXX have made no corrections to my credit report. I did not have a educational loan for $ XXXX in one semester between XXXX XXXX, ever. This is identity fraud. I believe a careless administrative error has depleted my credit score. Has affected my income and economic growth potential and my ability to apply for credit. I have read reviews and blogs about the negative impact, m inaccuracies and administrative errors affecting some student loan account holders. A large majority are a result of the XXXX loan service provider change. The transition. to XXXX has been problematic Anything to clear this up would be appreciated. 
Please see supporting documents 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