Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: OH
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:
I have filed a complaint with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX seems to think that my complaint is with XXXX so here goes. I have two student loans still on my credit report ( {$3400.00} and {$850.00} ) after my original student loans were forgiven by public loan forgiveness in XX/XX/2022. The Dept of Ed says I have a {$0.00} balance and that is reflected on my student account. The National student loan database says I have a {$0.00} reflected in their database and Federal Student Aid has written a letter that I will attach to this complaint that also says I have a XXXX balance. 

XXXX however believes differently and has taken it upon themselves to dispute my request to erase the two balances from my credit report. Instead they said that two multi million dollar companies tasked with the responsibility of transferring my student loans from one location to another was so incompetent in doing so that it is somehow my issue to solve and have left it up to me to fight for myself. Instead of looking at the evidence they are blaming you XXXX for not successfully transferring my loans. I have also attached a letter from FED Loan servicing that says that my loans were transferred but XXXX knows better than anyone, obviously. I have also attached a document with what I believe are the two loans in questions. Next to them you will see it says they belong to the DEPT of ED and not XXXX XXXX  so why is XXXX XXXX still reporting them? 

I have tried unsuccessfully to contact someone at XXXX. I have tried unsuccessfully to dispute these accounts with the CFPB and both credit unions because XXXX decided to write a letter claiming the loans are valid. I have included their response here. 
" Company 's Response The Office of Consumer Advocacy ( ~~OCA~~ ) at the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX received your recent correspondence through the Consumer Financial Protection Bureau ( ~~CFPB~~ ) portal regarding the status of your student loan account serviced by XXXX XXXX. Please Note : XXXX conducts its student loan servicing operations for federally owned loans as XXXX XXXX on behalf of the U.S. Department of Education ( the Department ). In your inquiry, you requested that your XXXX XXXX account either be removed or updated to report accurately to the consumer reporting agencies since your account was transferred to XXXX. XXXX performed a comprehensive review of your account. This investigation included the review of all relevant account history and documentation, including any information you provided to us. Based on this review, we determined the information reported is accurate. Credit reporting is valid. The Department advised XXXX XXXX to report the loans as normal using the previous transmission prior to the transferring to XXXX on XX/XX/2022. XXXX will have to complete the merge of the tradelines in order for XXXX XXXX to no longer report the loans. '' Please assist me in removing these two loans from my credit report. 

Thank you

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