Consumer complaint received 2019-02-01
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX I began my undergraduate studies with the XXXX  XXXX XXXX XXXX, CA and completed this program in XX/XX/XXXX. I began my graduate studies in XX/XX/XXXX with XXXX  XXXX XXXX and completed my graduate studies in XX/XX/XXXX. I was also enrolled at the XXXX  XXXX XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, for the for their graduate level Project Management Certificate Program, these credits were later applied to a graduate degree in project management with the XXXX  XXXX XXXX in XXXX of XXXX, I completed this program in XXXX of XXXX. During this time frame I used part of my G.I. Bill for these programs along with student loans. I had a series of health issues that were not resolved while on XXXX XXXX that were later compounded that required me to request a deferment/forbearance of my student loans due to my inability to work. Some were granted to my knowledge whereas others were not, which I continued to resolve. Upon careful review and further evaluation by the VA my XXXX rating was increased to 100 %, which qualified me for the XXXX XXXX  XXXX XXXX ( XXXX ) program for my student loans. On XX/XX/XXXX DOE directed XXXX XXXX and XXXX XXXX XXXX to suspend collection activities on my student loans until they could determine my eligibility for discharge. Effective XX/XX/XXXX, the DOE had approved my discharge of the federal student loans on the basis of my total and permanent XXXX. In closing from the very beginning my student loans were never properly reported, some start dates began before I was even enrolled in school, which I attempted to address with XXXX XXXX. To my knowledge this was never corrected. Additionally, I had 24 trade-lines ( student loans ) that are listed as late or in default in excess of 120+/180+ days. On my Experian credit report I have multiple accounts listed that are duplicates : Experian XXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX 120+day Late Payment Experian XXXX XXXX XXXXT XXXX {$0.00} XX/XX/XXXX 120+day Late Payment Experian XXXXXXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX 120+day Late Payment Experian XXXXXXXX XXXX XXXX   XXXX {$0.00} XX/XX/XXXX 120+day Late Payment Experian XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX 120+day Late Payment Experian XXXXXXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX 120+day Late Payment Experian XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX 120+day Late Payment Experian XXXXXXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX 120+day Late Payment In addition to these issues several of these same accounts have exceed their legal reporting periods of seven years, with multiple that are over 10 years. In previous communications via letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXX Department of Education is in violation of Section 623 ( a ) ( 2 ) of the FCRA.

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