Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XX/XX/XXXX Experian suddenly dropped my credit score by XXXX points. I checked my credit file with Experian and noticed XXXX incorrect delinquent entries on student loans. These loans were since refinanced and closed in XXXX. They were never late before closure. 

Account name : XXXX XXXX XXXX Account number : XXXX Experian shows all XXXX accounts with the same masked numbers as shown above. 

All XXXX loans were closed in good standing since XXXX. Experian 's own reporting reflects this fact. 
Yet all XXXX loans are falsely reported by Experian as 90 days late in XX/XX/XXXX. It makes no sense since they were closed earlier in XXXX. 

This " delinquency '' suddenly appeared in my credit file XX/XX/XXXX. It was never previously reported as late. 

On XX/XX/XXXX I opened online dispute with Experian and pointed out obvious inconsistencies and false entries. 

On XX/XX/XXXX Experian completed and closed dispute WITHOUT CHANGES. 

On XX/XX/XXXX, same day, I called Experian at XXXX, spoke with agent XXXX, expressed my frustration, and reopened the dispute. Reference # XXXX. 

On XX/XX/XXXX, same day, I called my student loan servicer and creditor, XXXX, at XXXX. XXXX denied reporting negative entries to Experian. They affirmed my student loan accounts are in good standing and never late before or after refinance and closure. I requested a letter to that effect. 

On XX/XX/XXXX I received an exonerating letter from creditor XXXX. Letter listed the loans and stated clearly : " The account is current and in Good Standing with no negative reporting to the Credit Bureaus ''. 

On XX/XX/XXXX I uploaded XXXX letter to Experian 's website and attached to ongoing dispute. 

On XX/XX/XXXX I called Experian at XXXX to confirm receipt of uploaded letter, and to expedite resolution. Experian 's phone agent XXXX spent XXXX minutes reading the short letter. She then insisted current dispute must be cancelled before my creditor 's letter can be attached. XXXX stated clearly that cancellation would effectively create a new dispute and reset resolution clock to 30 days. 

It is unacceptable that my creditor 's letter could not be attached to a current dispute unless I accept cancellation of current dispute and reset clock another 30 days. I communicated to XXXX my refusal to restart dispute for the third time on the same issue. 

Experian phone agent XXXX refused to budge and rudely interrupted me numerous times. 

Frustrated, I hung up the phone. 

This false reporting by Experian is preventing me from obtaining credit to fund my niece 's education. It is unfair that a credit bureau should have so much ability to ruin lives willfully, break the law, and not be accountable. They refuse to make corrections even when it is obvious and documentation is provided. 

The Fair Credit Reporting Act Section 623 ( a ) ( 2 ) states clearly the duty of Credit Reporting Agencies and furnishers to correct and update information in a consumer 's file, especially if accurate information is provided to the reporting agency.

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