Consumer complaint received 2020-06-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My first government student loans were issued through XXXX on XX/XX/XXXX. One in the amount of {$2000.00} and the other for {$2200.00}. My student loans had been requested to be placed on deferment. I have XXXX as my next loan officer on file because I was in and out of college not knowing what I wanted to do like so many other students. My Experian reports shows the loan for {$2200.00} reported twice which is incorrect. The same loan states the account was paid satisfactorily. The terms for the loan are listed as unknown, and there is no data for my monthly payment, past due amount, or balance and only shows data for XX/XX/XXXX and XX/XX/XXXX, but nothing prior and nothing after. The same account for Experian shows closed, paid 180 due days or more with terms of 240 months, but has no data for my past due amount or monthly payment and there shows no history of the loan until XX/XX/XXXX and XX/XX/XXXX, then XX/XX/XXXX there is no data, then from XXXX XXXX it shows delinquent and for XX/XX/XXXX-XX/XX/XXXX it shows paid. There is not history from XX/XX/XXXX-XX/XX/XXXXand the same account is listed twice with different information on my credit report. The same goes for my second loan of the {$2000.00} where the information has no history or previous monthly payment or information on past due payment. The accounts were always on deferment because of my financial situation or deferment because I was in and out of school. So while I was in school it was in school deferment and when out it was for financial reasons. All of which XXXX new about and acknowledges. My XX/XX/XXXXreport shows the {$2200.00} loan as opened in XX/XX/XXXX and not XX/XX/XXXX like Experian. It shows {$0.00} balance, paid as agreed, monthly {$0.00}, past due {$0.00}, compared to Data with Experian report. There is no data of payment history until XXXX XX/XX/XXXX where it states paid on time, for XX/XX/XXXX and XX/XX/XXXX shows late marks, and then paid XX/XX/XXXX-XX/XX/XXXX for an account that shows {$0.00} past due and that it was paid as agreed which was at a deferred payment of {$0.00} which reflects the monthly due amount on the report. The loan for {$2000.00} shows opened on XX/XX/XXXX but they were both opened together with this one reporting that my monthly payment was {$0.00} and and no data of past due and states the account was paid as agreed but doesnt show any history until XX/XX/XXXX-XX/XX/XXXX where it shows paid on time and XX/XX/XXXX-XX/XX/XXXX where it shows delinquent remarks then a period of no data reported untilXX/XX/XXXX-XX/XX/XXXX where it shows paid on time. And one of the accounts is being reported still in XXXX from XXXX when I had consolidated my loans over a year ago with XXXX. They should no longer be reporting on my loans.The same goes for XXXX  as far is inconsistent and wrong information on my fed loan student loans. I have been disputing this forever and they have not removed them from my reports. As you can see they all reflect the wrong information in one way or the other or no information at all to show any delinquency.i would like for them to be removed from my credit reports

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