Consumer complaint received 2019-06-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I do not have exact dates, other than today XX/XX/2019. At About XXXX XXXX, spoke with the Department of Education to see why they took my refund. The agent I spoke with said they havent received it and it was accepted by the IRS XX/XX/2019. Then about the time to receive XXXX, I instead got the letter in the mail from the IRS stating that the Department of Veterans Affairs is where they sent it. I didnt think I owed them as I am not military or recovering anything from them. Therefore, I downloaded the IRS APP. Input my info and got the number to the US Treasury, which then told me it was sent to the US Department of Education. This agent then stated it was not posted so they must not have received it yet. I advised her the date it was accepted by the IRS and three weeks later I got the letter saying my refund was confiscated. I then asked her so youre telling me its been four months later and you still havent applied it to what yall say is my debt! I then advised her as I have every other person I have spoken to with the US Department of Education that  I was in the XXXX University debacle the FTC paid me two checks. Someone contacted me to ask if I wanted to be in their lawsuit with the XXXXS Department of Education against XXXX University for the recruiters lying to get us to join, and the ads saying the same thing to make them look like the better option of the rest of colleges. The information was in fact false. The FTC and DEPT OF ED both won the FTC paid me their part. I have contacted the DEPT OF ED countless times in the last months to talk to two tiers of people the agents, and a supervisor. When I asked any of the 30-50 of either, not one person has ever heard of this debacle. Yet its posted on their and the FTCs website! That money if for us students to claim and get these loans paid back in full as well as the money paid in already! However, no one would give me a number, name, email, fax, address ; except to have my lawyer send to an address for my lawyer Im currently trying to find send to the DEPT OF ED to inform them about the lawsuit Im about to start against them. I have even disputed the items XXXX my credit bureaus ; EXPERIAN, tried on XXXX and XXXX, however theirs will not work tells me I have to call a number and answer security questions for verification and it flat does not work it will not verify me. I suffer from a XXXX XXXX XXXX so I cant verify certain things for a certain period in my life. These loans were also put on my credit profile three times not just once and all left there after the first lender sent to the second, then they sent to DEPT OF ED. All of these loans are 10 years old this has ruined my credit and prevented me Ive had businesses specifically tell me the defaulted school loans is the reason. It has prevented me from getting better vehicles, better credit cards, loans, accounts, it has prevents banks from trusting me. This has gone on long enough after I disputed them the law states that after seven years in Texas anything negative is to be removed from your credit profile. Its been ten years, plus I disputed the fact that there are three of each on loan on my credit profile so the closed accounts I disputed as well and stated that the company doesnt exit any longer. This was posted on XXXX XXXX by a guy and to paraphrase as to not quote him he stated if the creditor sold the debt you made with them. If they sold it to another collections company, then my best was also written off on their taxes, thus wrote off my obligation to repay! Also he stated that it works for any collection agency owned file on your credit by simply putting contract was terminated/cancelled, and to type in your own words that in the notes section of the dispute! This does work I know from person experience because they removed one group of them on one report but not the others for some reason and can not get the credit bureaus to tell me why they didnt remove them all! I also received a text message I have an screen shot of after the first time I spoke with the US DEPARTMENT OF EDUCATION which Im attaching in the files and that stated they took care of all my debt and my balance is now {$0.00}! Now I have been a victim of identity theft and am dealing with shutting down all accounts ; social, governmental, financial, anything and everything with my name, birthday, and social on it. Photos will also show date opened written off and that there is multiple for the same exact loan its listed three times on each credit bureau! So all three need to be fixed and removed from every credit bureau please!

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