Consumer complaint received 2020-09-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Im really hoping someone can help me make sense of my loans. They are extremely confusing. They can not be correct. There are so many different issues, Im not even sure where I should start or if you can help me. But I am extremely desperate to get this straighten out. It is controlling my entire life. My daughter and I cant find housing and are now currently XXXX due to inaccurate information on my credit report. PLEASE HELP ME! 
I went to school off and on over a 10-year period. I did finally receive my XXXX XXXX. I was a straight A student ; the only time I didnt receive an A is when I had my computer privileges taken away by my boyfriend. Yes, that is correct. He was extremely abusive and controlling. I can prove this. I also attend domestic violence support groups. I stayed with him for 20 years. Terrified to leave, not sure how I would support my daughter and myself. Of course, his threats didnt help the matter and he did a pretty good job of keeping me with no money ( even with the loans that he basically took complete control over ) I had nothing. The only thing that kept me going was he allowed me to do XXXX  XXXX. I did hundreds and hundreds of hours. I was even a XXXX ( XXXX XXXX XXXX XXXX ) Im not talking about an hour here or there, I volunteered on a regular base at least 25-30 hours a week. Of course, my volunteering never paid, so they were not threating to him at all. My point in telling you this is so you know I didnt just sit at home and do nothing all day. I can provide you with an list of all the hours I completed, where I completed them, etc. 
Two weeks prior to our 20-year anniversary, I left him. I was so proud of myself. Upset that it took so long, but proud I finally did it. However, now my biggest fears are becoming a reality. 
When we first left, my daughter and I temporarily stayed with friends. But when I went to go look for an apartment, I found out my credit score is very low. The main thing on it is student loans. It says I owe nearly $ 100k. I was only at a 2-year community college. I probably completed maybe 80 units and 25 of them were in the 1st year. 
When I questioned the loan service providers they were not helpful at all. I asked for a breakdown of my total. They were not able to provide it. When I told them I know for certain I didnt borrow anywhere near that amount, they said that when I consolidated the loans ( something they told me I had to do ) that they added fees and of course there is interest. I cant believe there would be thousands and thousands of dollars in fees. Like over $ 50-60,000. Is that possible? How is this legal? 
Its even more upsetting because had I not been lied to, the student loans would be off my credit completely. Yes, I would still owe the money, but they wouldnt be on my credit, killing my credit score making it impossible to find housing. But the guy on the phone told me that it would never leave my credit, regardless how long it had been and that my only option is to consolidate, so that way it will say it is current. But this just reset the clock on my 7 years. They also told me if I didnt consolidate that I would go to jail. You have to understand, I would agree to anything to avoid ever losing my daughter. If I went to jail over this, I would definitely lose my daughter.

Im desperate and dont know what to do. Every time I call I am lied to. This is my life ( and my daughters life ) they are playing games with. We are now homeless, her school is aware of the situation and has been very helpful, but they cant do anything about these outrageous charges on my credit report claiming I owe so much more than I do. If her dad finds out, he is going to take her from me. I dont have to tell you why this cant happen. 
I asked for proof of every loan they are claiming I had. They said the documents are on the states website. I found where the documents should be, but it only has one document. I asked for a breakdown of my charges, again, they said they couldnt help me. 
Everything is such a mess. It says I have late payments when I shouldnt. If you look on the Federal Student Aid website, under Program Enrollment History, it shows I was enrolled during most of those times. 
Then the loans are transferred and sold and transferred and sold. Each time pinging my credit. On the website it claims my original amount awarded is {$110000.00}. NO WAY!! They wont LOAN an  XXXX that amount! 
Again, screwing me on late payments, here is an example, I was forced to go online and consolidate my loans on XX/XX/XXXX, clearly I filled out the required paperwork to put off payments. Thats the reason they guy called in the first place. It makes zero sense why I would have consolidated ( other than basically being told I had to do it ) but if they wouldnt have told me late payments would go away then I wouldnt have done it. However, the same day of the consolidation, the loan status history shows as in repayment then on XX/XX/XXXX deferment, then XX/XX/XXXX Forbearance, then XX/XX/XXXX in repayment, as so on and so on. When I consolidated, I was told that repayment plan was good for 1 year and I wouldnt have to recertify until XXXX of the following year. However, this wasnt the case. I was taken in and out of forbearance, repayment, and deferment several times in that year. Making me default and showing MORE late payments on my credit. I cant figure out who bought what and what my fees are. This is extremely upsetting. My credit is destroyed over it. I cant get housing. 
There are so many issues here. I realize I would still owe the student loans ( not as much as they are claiming ) but a portion of it, but it would not be on my credit at all had I not been lied to by the rep that called me and told me it will never fall off my credit and I would end up in jail if I didnt fill out a piece of paper online. Come to find out this was all a lie. 

Im not asking for any handouts. I did borrow some money while I was in school. But you have no idea the situation I was living in at the time. Still that aside, how am I ever supposed to attempt to pay it back as a single mom, with no credit and the amount has quadrupled? Please help me figure this out. I cant find a place to live. I never thought student loans would destroy my life. 
I was looking at the breakdown on one of the consolidations and they have loans on there several times and then they have them added up and put on there again! This happens more than once! 
To make matters worse, my dream is to become a paralegal and work for a non-profit helping single mom in abusive situations. Of course, that would require more schooling. Something I cant even consider now. 
Please help me figure this out. I really need help. Im on the verge of losing my daughter and she is terrified to have to go live with her father. 
I have included a breakdown of when I was in school, how many classes I attempted, completed, term GPA, and what they are claiming I borrowed for that semester. Please note, even adding this up, it doesnt equal the amount they are claiming I owe. 
I did not include my classes at XXXX. That loan was different and isnt included nor disputed in any way. 
Any help you can provide me with would be extremely helpful. I need to resolve this ASAP. I hope they know that by lying to me ( misleading me ) they have left me homeless, not just me, my daughter too! 
My credit report currently has 24 different student loan accounts. The status for about 10 of them say collection/charge off but they were transferred. Its just all so confusing! Please help me! 
Okay, I have more to add, sorry if I am all over the place, Im just stressed for time and can not believe this is happening. When I finally left my abusive situation, you have to understand that gathering paperwork was the least of my concerns. My main concern was getting myself and my daughter out in one piece. I left all paperwork behind. That said, I still know without a doubt, I never borrowed anywhere near the amount they claim. Ive asked several times for proof and nobody can provide it. 
On the spreadsheet titled BREAKDOWN OF CHARGES ON CREDIT REPORT, I noticed that right as my 7 years would have been up they sold it so my clock started all over again. And then they finally bullied me into consolidating right as everything would have been leaving my credit report. Yes, Id still owe the money, but I wouldnt be suffering. Homeless with my daughter trying to find a place that will rent to me with a credit score of XXXX. 
You will also notice there are some things listed more than once ( Im not talking about it listed twice do to transfer, Im talking about they charged the amount twice assuming I even owed that first amount. ) I already spoke to a professional about my credit and they said what is having the biggest impact on my credit score right now is the student loans, how high they are, how many late payments there are, how many loans there are etc. 
I also noticed, Im sure they do this to everyone, that on payment status they randomly say payment is okay or current so the 7 year mark starts all over again. I can guarantee you, I was never able to make a payment ( no way would he give me money to pay off the loans, even if he was the one that spent it. ) There is also no way I would not pay for 24 months, then pay for 3 months then not pay again for 12 months. They do this they dont have to remove it off my credit, since the 7 years start from date of last payment. I never made any payments. 
Im just upset that I was basically bullied, lied to, and threatened. You have to understand what I was going through, when they called and told me Id go to jail if I didnt make a payment or consolidate, the first thing I thought about was. Who is going to take care of my daughter? I cant leave her with her dad. Id have signed my life away to prevent that from happening. I started to let the guy do it on the phone, but then my ex came home, so he told me as long as I submitted it ( online ) by midnight I would be ok. But all of it was lies. You have no idea how stressed I was trying to figure out how I can sneak to fill out the application because if he knew I was doing it he would accuse me of trying to leave him or something totally not related. 
There are also things that say parts of loans were canceled, but none of that reflects the total amounts. 
What do I want to see happen? Well, for sure it should be removed from my credit, had I not been lied to and threatened ; I would have never gone through with the consolidation. It would have already been off my report and I wouldnt currently be homeless. 
My daughter has already been though so much, I just want to give her a decent life. Please help me figure this mess out! Any help you can provide would be greatly appreciated. Im a good person, I do a ton of XXXX  XXXX  ( thousands of hours. ) I went through a terrible time in my life, finally trying to get back on my feet and this is holding me back and stopping me from having even the bare minimum. 
Please Please Please. Help me. 
My information is below. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Oh, and Page 17 on credit report shows all late payments, but the CARE Act made it so no payments were due on student loans for the last 6 or 7 months ... yet, it has my down as a negative for all those months.

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