Consumer complaint received 2019-08-30
Company: Experian Information Solutions Inc.
State: GA
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:
The company XXXX XXXX XXXX XXXX or XXXX XXXX XXXX serviced my student loans. I have 3 total loans under one account number ( XXXX ). I contacted XXXX and requested a goodwill gesture to remove the " past due '' symbol and change it to " paid on time '' and it was approved for all 3 loans. They physically mailed me a letter of the goodwill gesture dispute approval. The letter states to " remove negative credit reporting due to deferment being applied to account for XX/XX/XXXX and XX/XX/XXXX ( FOR ALL 3 LOANS ). Please see attached document for this letter. The letter also states, '' an update will be submitted to 3 bureaus at the end of month XX/XX/XXXX. This was during middle of XX/XX/XXXX. Please keep in mind that these loans have already been paid in full. My request is only to remove the late the " past due '' symbol and change it to " paid on time '' for ALL 3 LOANS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Around late XXXX, the late fees have not been updated. I called XXXX and they verified that the update files was sent to the all 3 credit agencies on XX/XX/XXXX. And that if it hasn't been updated by them, for me to file a dispute. So I filed a dispute with all XXXX bureaus and these are the results : XXXX : ( dispute results. Verified but No changes ) Loan 1 : Before dispute : XX/XX/XXXX ( 90 late ) XX/XX/XXXX ( 120 late ) Loan 1 : After dispute : ( results ) Verified XX/XX/XXXX ( 90 late ) XX/XX/XXXX ( 120 late ) Loan 2 :  Before dispute : XX/XX/XXXX ( XXXX late ) XX/XX/XXXX ( XXXX late ) Loan 2 : After dispute : ( results ) Verified XX/XX/XXXX ( 90 late ) XX/XX/XXXX ( 120 late ) Loan 3 : Before dispute : XX/XX/XXXX ( 90 late ) XX/XX/XXXX ( 120 late ) Loan 3 : After dispute : ( results ) Verified XX/XX/XXXX ( 90 late ) XX/XX/XXXX ( 120 late ) *NO CHANGES WERE MADE* Experian : dispute results ( 1 of 3 has been corrected ) Loan 1 : Before dispute : XX/XX/XXXX ( 90 late ) XX/XX/XXXX ( 120 late ) Loan 1 : After dispute : ( results ) Verified XX/XX/XXXX ( 90 late ) XX/XX/XXXX ( 120 late ) Loan 2 : Before dispute : XX/XX/XXXX ( XXXX late ) XX/XX/XXXX ( 120 late ) Loan 2 : After dispute : ( results ) Verified XX/XX/XXXX ( 90 late ) XX/XX/XXXX ( 120 late ) Loan 3 : Before dispute : XX/XX/XXXX ( 90 late ) XX/XX/XXXX ( 120 late ) Loan 3 : After dispute : ( results ) Verified CHANGED! 
XX/XX/XXXX ( current on time payment ) ** XX/XX/XXXX ( current on time payment ) ** **1 OUT OF THE 3 LOANS WERE CHANGED. THANKS! 

XXXX : dispute results ( 1 of 3 has been corrected ) Loan 1 : Before dispute : XX/XX/XXXX ( 90 late ) XX/XX/XXXX ( 120 late ) Loan 1 : After dispute : ( results ) Verified *CHANGED XX/XX/XXXX ( current ) XX/XX/XXXX ( current ) Loan 2 : Before dispute : XX/XX/XXXX ( 90 late ) XX/XX/XXXX ( 120 late ) Loan 2 : After dispute : ( results ) Verified XX/XX/XXXX ( 90 late ) XX/XX/XXXX ( 120 late ) Loan 3 : Before dispute : XX/XX/XXXX ( 90 late ) XX/XX/XXXX ( 120 late ) Loan 3 : After dispute : ( results ) Verified XX/XX/XXXX ( 90 late ) XX/XX/XXXX ( 120 late ) **1 OUT OF THE 3 LOANS WERE CHANGED. THANKS! 

Please, I need these " late '' months changed to " on time ''. for all XXXX loans.

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 non-monetary relief