Consumer complaint received 2017-07-26
Company: Experian Information Solutions Inc.
State: OK
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:
I obtained ten separate student loans from XX/XX/XXXX to XX/XX/XXXX to attend XXXX XXXX XXXX XXXX XXXX. XXXX was the original servicer of these loans. I was unable to obtain gainful employment in my field of study, so I had these loans in forbearance or deferment status until XXXX. That is when all of the loans became delinquent for a period of ten months and were transferred to the XXXX XXXX XXXX. In XX/XX/XXXX, I applied for XXXX XXXX XXXX XXXX XXXX through XXXX and satisfied all of the requirements for the three year monitoring period. In XX/XX/XXXX, I received a discharge letter from XXXX. All ten of my loans are being reported twice on my credit report by XXXX. XXXX corrected the status of four of these accounts to " current, paid as agreed '' after I disputed a false late pay on my XXXX report during XXXX XXXX. I prevailed in getting the false late pays removed. I filed an additional dispute with all bureaus to correct the status of the remaining six loans from currently 120 days late to " current ''. That dispute was unsuccessful. I contacted the Federal Student Loan Ombudsman Group for assistance. The first investigation was unsuccessful. I filed a subsequent case with the Ombudsman Group, via email and this case was concluded in a very timely manner. I was assured by the Ombudsman that XXXX would correct the reporting of these accounts, however this has yielded more issues. XXXX responded with correspondence to me stating that after a careful review of my account, they submitted a request to all national credit bureaus to update the trade lines for my loans to show a XXXX balance. I called XXXX to clarify the information in the letter, and the representative stated that the delinquencies would be corrected. XXXX reported all ten of my loans on my credit file with all three bureaus a second time, these loans are reported in good standing. However, the loans are listed twice by XXXX now, with the status not being corrected on the first set of loans reported. Also, all ten of the loans are listed on my report by the XXXX XXXX XXXX in a paid, written off collection status. These loans reported by the XXXX XXXX XXXX were in good standing up until the point where " inappropriate '' corrections were made. In short, I have ten separate loans that are being reported three times with all three bureaus. Each loan is being reported as a derogatory account twice, once by XXXX and once  by the XXXX XXXX XXXX. This amounts to twenty derogatory accounts on EACH of the three bureaus. I have consulted with an attorney in this matter, I was advised that since the loans are discharged they should be completely stricken from my credit file. I have attached the letter of discharge from 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