Consumer complaint received 2017-10-19
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX " XXXX '' via XXXX was assigned ( wrongly in my view ) student loans from Michigan, which were actually aXX/XX/XXXX grant. Additionally, they are both on my XXXX credit report as defaulted federal atudent loans. Experian and XXXX may also be repprting them both. 

In XXXX, all tuition, books, gasoline reimbursement and even a car repair were from a No Worker Left Behind from the State of Michigan toward a sole diploma awarded in XXXX. No other college was attended in XXXX. 

The XXXX grant did not need to be repaid. If any XXXX student loans are alleged to have been made in XXXX, they are not protected from discharge through my Chapter XXXX bankruptcy case, especially if a grant. XXXX was substituted for Michigan in the Adversary Proceeding and seems to be making a claim that these loans are protected from discharge in violation of the discharge. Therefore, I want XXXX to voluntarily remove any credit furnishing it is providing to any credit reporting agency until the pending trial ends. 

To be fair, I have asked XXXX directly through a email today to do this removal voluntarily. Apparently, Michigan seems to have given XXXX less than full disclosure on this inherited debt. Not only the validity of the alleged debt, but the " standing agreement '' it claims exists between themselves rather than a third party and XXXX  The Michigan Freedom of Information Act mailing I received disputes this " standing agreement '' as filed with the court. Therefore, additional accounting errors or some act of fraud seems to be involved here. Not sure what hapoened in XXXX from my own records. 

I am looking through my files in hopes of getting to the bottom of it, meanwhile. 

Michigan did not participate in the Chapter XXXX case. This appears to be Michigan trying to call a grant a loan ; make a false claim on the federal government ; or to hide the seized tax refunds the state treasury kept from the assignee XXXX without crediting me for those amounts. 

My main focus of this complaint is to get all credit reports cleared up as to Michigan ; XXXX XXXX ( who seems to be XXXX XXXX collection agency )  ; and XXXX, from misrepresenting the debt ( if any ) and refusing to acknowledge its alleged debts were fully discharged in Chapter XXXX discharge.
Notably, the assignment under FDCPA was made after the alleged loan was discharged, and certainly after it was alleged to have gone into default. So, this is a time-barred as well as as a bogus discharged " zombie '' debt. 

If there is any accounting on this matter that is specific and verifiable, I am anxious to see it. Notably there was no other college pursuit in XXXX other than the one mentioned. The grant covered only about six classes as that was all that was needed to complete a four-year degree from XXXX  XXXX. The XXXX pursuit was at the same college paid for in full by me with no negative reporting whatsover. 

I have not the benefit of the college transcripts since XXXX for no good reason. So this is doubly troubling to me as an indigent pro se debtor. 

Hopefully, XXXX will get Michigan to provide more documents so we can resolve this matter. However, if XXXX refuses to remove the furnished data then I will pursue FCRA and FDCPA relief in the form of statutory fees. Under the law, they are a third-party debt collector but the " standing agreement '' is yet to be provided to me to ascertain the legal standing in the bankruptcy case for what seems to be a false claim against me. 

I am anxious to get my credit report corrected immediately as part of my " fresh start '' which is dependant on good credit. Conversely, any false furnishing provides evidence that the " undue hardship '' exists, and will exist into the next seven years, at minimum. Other student loans are dealt with in separate CFPB complaints in 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