Consumer complaint received 2018-11-20
Company: Experian Information Solutions Inc.
State: NH
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:
After graduation, I struggled to re-pay my loans. I had private and public loans. Both were serviced by XXXX. This is my third time submitting this complaint. XXXX XXXX is the Borrower at issue. XXXX XXXX is XXXX 's attorney and wife and authorized user. There are MULTIPLE issues with XXXX. XXXX 's response that " XXXX XXXX does not have authorization to deal with her mother, XXXX XXXX 's loans '' is the same XXXX  XXXX that XXXX has been doing to XXXX XXXX for the past 10 years. Recently, XXXX XXXX was added as an authorized user pursuant to XXXX 's response to my second complaint. 

The problems are 1 ) incorrect and inaccurate information from Navient to its borrower XXXX XXXX and 2 ) improper credit reporting, described below Statement from Borrower,  XXXX XXXX : I receieved notices from the Servicer, Navient, about my loans. I contacted XXXX and made payments to make sure the loans did not default. Multiple people at XXXX told me I was all set. '' Come to find out, my private loans were back in re-payment, but my federal loans were at the brink of default. Further, my public loans had been put into repayment plans that I did not authorize. XXXX never told me this and i operated on the assumption that my loans were in repayment. Recently, in spring XXXX, while trying to procure a mortgage, I learned that my federal loans had all defaulted. XXXX serviced them but did not help me when I was trying to put all loans into repayment. Most notably, the default date varied between the federal loans. This is impossible because I always paid or failed to pay my loans together. I never identified loans to pay while leaving some unpaid. The default date should all be the same. Upon learning this, I was able to pay the entire balance of loans I took out, and have the collection fees and accured interst waived. XX/XX/XXXX I fully paid those formerly defaulted federal loans. 

Now, my issues are as follows : 1. ) my credit score shows multiple default dates, for various federal loans, this is inaccurate, all were defaulted at once. Discrepancies include : cancel date XX/XX/XXXX ; default date XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; default date XX/XX/XXXX 2. ) my credit score shows that the loans were paid not in full for less than amount owed, but NLDS.ED states those loans were paid in full XX/XX/XXXX 3. ) my credit scores shows some loans still in collections although NONE are in collections. They were all paid in full XX/XX/XXXX according to NLDS.ED 4. ) if navient had not advised me my loans were all set i never would have defaulted. Because, i would have defaulted on ALL loans or NO loans.

5. ) some servicers listed on my credit report i called while trying to figure out what happened with my loans and they told me they never serviced my loans. I was a XXXX XXXX XXXX and finished my degree in XX/XX/XXXX. 
I never asked for loans to be put in forebearance. I never asked for loans to be put into any repayment plan other than standard. 
I notice my XXXX  system says loans were in graduated repayment I never asked for or authorized or approved or even understood that loans were anything but standard. I communicated with XXXX and XXXX is the company that ultimately told me my loans were all set and back in repayment when they were about to and actually did default. Apparently the private arm of loan servicing did not communicate with the public arm of loan servicing even though I communicated with one company. I know this because my private loans were " all set '' and are still in repayment. 

This matters, even though I managed to pay my federal loans in full XX/XX/XXXX, because it affects when my credit score will normalize after finally paying the federal debt ( which unbeknownst to me was defaulted ) and allow me to get a mortgage. Mortgage rates are on the rise so the sooner the resolution the better. 

I would like the default date to be set to the date the default actually occured on all federal loans XX/XX/XXXX or earlier. ( Based on the fact i never asked for any modified repayment plan. ) I would like the repayment plans my loans were put into to be examined, because it was not authorized or requested anything but standard repayment and if the default was actually earlier than XX/XX/XXXX i would like the records to be corrected to the correct date. 

I would like the status showing collections portion of my credit score related to student debt to be removed.

All have been paid, and private loans are in repayment, there are none in collections. I would like the credit score to reflect  loans were paid in full, like my education account.

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