Consumer complaint received 2017-07-31
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/XXXX, I entered into a contract with XXXX XXXX XXXX ( XXXX ) based in California, to engage in the Student Loan Forgiveness program since I was XXXX XXXX military. I rendered payment of {$300.00} on XX/XX/XXXX and payments of {$64.00} would begin monthly on XX/XX/XXXX. I was told the process overall would typically take 30 to 60 days and would periodically receive status updates from them. Seems simple enough -- NOT! It was n't until I received correspondence from XXXX XXXX that my student loan was in default as of XX/XX/XXXX, and then the others started rolling in. I contacted XXXX and asked why were my student loans in default since they had been working my consolidation since XX/XX/XXXX and that I had received the documentation showing my student loans had been consolidated and {$54000.00} had been included with the companies below : XXXX XXXX XXXX : {$5700.00} 6.8 % XXXX XXXX XXXX XXXX XXXX : {$9300.00} 6.62 % XXXX XXXX : {$7400.00} 6.8 % XXXX XXXX XXXX : {$2000.00} 6.8 % XXXX XXXX XXXX : {$4100.00} 6.8 % XXXX XXXX : {$6800.00} 6.8 % XXXX XXXX : {$2400.00} XXXX XXXX : {$1200.00} XXXX XXXX XXXX XXXX XXXX : {$12000.00} 6.62 % XXXX XXXX XXXX : {$2800.00} 6.8 % Also, these student loans should have been no more than 6 % under The Servicemember 's Civil Relief Act ( SCRA ) since I was XXXX XXXX and participated in XXXX XXXX XXXX. My student loans were not consolidated and entered into default/Collections. I believe XXXX had plenty of time to rectify this situation. Reached out and I joined XXXX XXXX in XX/XX/XXXX. XXXX XXXX, I was sent another notification to pay {$490.00} to enter into the program with XXXX -- WAIT, I initially paid {$300.00} on XX/XX/XXXX, this is when I knew this company was n't legitimate. My student loans of {$60000.00} were consolidated on XX/XX/XXXX, through XXXX XX/XX/XXXX. XXXX XXXX XXXX did n't do anything but make my situation worse by letting the loans default and having them placed for collection while they were working on my consolidation. They changed my username and passwords to my student loan accounts, changed my email, phone number and address. Again, this happened to me while serving on XXXX XXXX and it was imperative that I get a hold of my loans for a reasonable payment, and not jeopardize my XXXX Security Clearance in the military. Due to their failure to provide the service, my husband, in fact, lost his XXXX XXXX Clearance due to their negligence and could have lost his job. Here is a XXXX XXXX XXXX XXXX News Report exposing XXXX XXXX XXXX ( XXXX ) in California ( XXXX XXXX  XXXX? XXXX ). Two different Government actions were taken against XXXX XXXX XXXX ( XXXX ) through Attorney Generals for the State of Washington and Vermont in XX/XX/XXXX. The State of Washington listed the government action with the BBB and they are listed on the watch list of XXXX. Based : XXXX, California Sources : Vermont attorney generals office ; Washington state attorney generals office ; XXXX County Superior Court, XXXX ; California business records, Better Business Bureau. My XXXX XXXX XXXX XXXX discharge application was approved by the XXXX XXXX XXXX XXXX on XX/XX/XXXX The request to have my loans transferred to the XXXX XXXX XXXX XXXX Servicer was sent to XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. I have provided all this information to the credit reporting agencies as well as the creditors, and I am still having problems clearing up this matter. I am a XXXX XXXX XXXX XXXX XXXX XXXX Veteran now, and all I have is my honorable name and credit.

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