Consumer complaint received 2023-12-03
Company: Experian Information Solutions Inc.
State: FL
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:
To Whom It May Concern : I am writing to request an urgent update to my credit report regarding my student loan accounts. I entered into a forbearance agreement with my loan servicer, and as per our agreement, my payments were never late during this period. However, my credit report currently inaccurately reflects late payments on these accounts, which is affecting my credit score and financial standing. I kindly ask that you correct this error by updating my student loan accounts to show that they were never late due to the forbearance agreement. '' It is of utmost importance that my credit report accurately reflects my financial history. The erroneous reporting of late payments on my student loan accounts during the forbearance period is causing undue harm to my creditworthiness. I have diligently adhered to the terms of the forbearance agreement, and my accounts should reflect this fact. I respectfully request that you promptly rectify this issue by updating my credit report to accurately reflect that my student loan accounts were never late due to the forbearance agreement. Your cooperation in resolving this matter is greatly appreciated. 
Listed below are the Accounts that are being challenged XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  XXXX  Balance : {$39000.00} Account # XXXX Account Type Detail XXXX (! ) XXXX (! ) XXXX XXXX XXXX XXXX Balance XXXX Monthly Payment XXXX {$0.00} {$39000.00} {$0.00} Last Reported Date of Last Payment XXXX 7 Year History XX/XX/XXXX (! ) - (! ) XXXX : XXXX XXXX : XXXX XXXX Account Type XXXX Installment High XXXX XXXX XXXX {$12000.00} Date Last Active XX/XX/XXXX (! ) Account Status XXXX Open Past Due XXXX {$0.00} Date Opened XXXX XX/XX/XXXX (! ) XXXX Code - Comments XXXX Consumer disputes after resolution Affected by natural disaster Payment Status XXXX Current No. of Months ( terms ) XXXX XXXX (! ) Under 15 U.S. Code 1666b - Billing error Please update to never late! 
We have recently come across an allegation concerning XXXX and XXXX. The information provided raises concerns about potential discrepancies in compliant reporting and factual accuracy. We kindly request you to thoroughly verify and certify the accuracy of each aspect of the claim. Ensure that all reported information is substantiated, accurate, timely, and in complete adherence to regulatory requirements, including the mandated compliance with the meticulously structured Metro 2 format. If these conditions can not be met, we urge you to remove the entry promptly. 
We are gravely concerned to bring to your attention that the reported Account No ( XXXX ), Account Type Details, No. of Months ( terms ) ( XXXX ), Last Reported, Date Last Active ( XXXX ), Date of Last Payment ( XXXX ) & Date Opened ( XXXX ) is listed as derogatory on all three credit reports. We would like to emphasize that it is imperative that you ensure the accuracy of the information in your records and comply with all industry standards. We are outraged to observe deviations from the mandatory regulations and compliance guidelines for this account. It is evident that there must be a grave error, and we demand XXXX of XXXX immediate action by deleting this account to prevent any further damage. We strongly urge you to rectify this matter immediately, and we expect your prompt response in resolving this issue. 
XXXX XXXX XXXX : {$25000.00} Account # XXXX Account Type Detail XXXX (! ) XXXX (! ) XXXX XXXX XXXX XXXX Balance XXXX Monthly Payment XXXX {$0.00} {$25000.00} {$0.00} Last Reported Date of Last Payment XXXX 7 Year History XX/XX/XXXX (! ) - (! ) XXXX : XXXX XXXX : XXXX XXXX Account Type XXXX Installment High XXXX XXXX XXXX {$8500.00} Date Last Active XX/XX/XXXX (! ) Account Status XXXX Open Past Due XXXX {$0.00} Date Opened XXXX XX/XX/XXXX (! ) XXXX Code - Comments XXXX Consumer disputes after resolution Affected by natural disaster Payment Status XXXX Current No. of Months ( terms ) XXXX XXXX (! ) Under 15 U.S. Code 1666b - Billing error Please update to never late! 
XXXX  - XXXX I am utterly infuriated by the abysmal state of the information in your database. It is outrageously outdated and fails to meet even the most basic standards of accuracy. Take heed : if this is not rectified immediately, I will unleash the full force of legal action upon you. Remove this woefully flawed data from your database and my credit report without delay! 
Upon examining Account No ( XXXX ), Account Type Details, No. of Months ( terms ) ( XXXX ), Last Reported, Date Last Active ( XXXX ), Date of Last Payment ( XXXX ) & Date Opened ( XXXX ), it is absolutely infuriating to witness the complete disregard for ensuring the accuracy of information within your records, as mandated by industry standards. I am appalled and outraged by the blatant and audacious deviations from the mandatory regulations and compliance guidelines governing this account! It is XXXX clear that an inexcusable error has been made, and I demand that you obliterate this account from existence immediately! Take swift action to rectify this abomination before the damage inflicted becomes irreparable and the consequences further exacerbate my already intense anger! 
I am deeply infuriated by your abysmal reporting practices outlined in this document. Your report is shockingly incomplete and blatantly disregards the critical standards mandated by both the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance requirements. These regulations exist to ensure the precise and timely provision of information, and your consistent failure to adhere to them is a blatant violation of my rights. 
Kindly dispatch your written reply to my location at XXXX XXXX XXXX XXXX, XXXX, FL, XXXX. 
This letter is to notify you that I have been made aware of your illegal practice of sending form letters in response to disputes and challenges from consumers, regardless of the information they have provided. This act is in violation of 15 U.S. Code 5 1681i, which mandates that every dispute and challenge should be dealt with independently and based on its own merits. The letters I sent were generated using software that is available to the public. If you fail to process my letters, it is a breach of my consumer rights. I consider this an intentional disregard of my rights, and I will seek legal action by contacting my lawyer. 
Sincerely, 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