Consumer complaint received 2019-08-20
Company: Experian Information Solutions Inc.
State: PA
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:
After graduating from my XXXX at XXXX, my student loans were serviced through XXXX. When I obtained employment that qualified me for Public Service Loan Forgiveness, I was notified that my loans would be transferred to XXXX XXXX for servicing due to this program in XX/XX/2018. In XX/XX/2018, I contacted XXXX XXXX to begin the process of being approved for the programming. I was told that my account would be placed in Forbearance/Deferment while I gathered the appropriate documentation from my employer and concerning my income to be considered for the Income Driven Repayment Plan and Public Service Student Loan Forgiveness. I had the documentation completed by my employer and sent to the provided agency. I thought everything was taken care of and my payment would be $XXXX. In late XX/XX/XXXX, I received notification that I had a monthly bill of over $1000 due to XXXX XXXX in XX/XX/XXXX. I called as soon as possible and that was on XX/XX/XXXX. In that phone conversation, I was told it was an error and that my records showed that I should of been placed in Forbearance and/or Deferment and that they would prompt the appropriate paperwork (again) which would automatically place me in either forbearance or deferment for them to be able to review the paperwork. At the beginning of XX/XX/XXXX I found that I had been reported by XXXX for being 90 days delinquent. I immediately called XXXX XXXX, was told again it was an error on their part and that they would remedy the situation which would be changed by the beginning of XX/XX/XXXX. I was in the middle of obtaining a loan to make repairs to a home that I bought and my credit score dropped by almost 120 points. XX/XX/XXXX came and they still hadn't corrected the error. Several months later, they changed the status of my loan to no longer delinquent but despite multiple calls and disputes, they have continue to report that I was 90 days delinquent in XX/XX/2018. I have attached the letter another complaint that I have made to XXXX XXXX, my phone records showing the calls that I made to XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX (I have more but printer ink is limited), an email from XXXX confirming my contact with the company on XX/XX/2018, the results of my credit disputes where XXXX XXXX confirms that my payments were on-time in XX/XX/2018, XX/XX/2018, XX/XX/2018 but somehow 90 days delinquent in XX/XX/2018, print outs from my XXXX XXXX Account that show that I have 0 days delinquent and a letter from them stating that I have 0 days delinquent. It has been almost a year and XXXX XXXX has still not removed this from my credit reporting and despite significant efforts on my part to repair my credit, I have still been able to gain only 20-30 points after loosing almost 120 points to their error. I have seen that they have been sued for these same errors and have been found to do this to consumers repeatedly who have also made multiple complaints with the same exact experience. I do not understand if it takes just a simple click of a button for them to ruin a person's financial health and so many opportunities, why it is so difficult for them to fix these errors. I really, really need help. I cannot wait another 6 years to be able to provide a home to my children or refinance the high interest loans that I have been forced to resort to due to how the "90 Days Delinquent in XX/XX/2018" on 3 to 5 student loans (depending on the credit agency) effects my credit score.

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