Consumer complaint received 2018-06-07
Company: Experian Information Solutions Inc.
State: WA
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: Investigation took more than 30 days

Complaint:
I am reporting fraudulent information being provided by the Experian credit reporting agency involving the XXXX XXXXXXXX  dba XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ), I have asked Experian no less than FIVE ( 5 ) times to prove that I have or ever had a student loan contract, signed, legal or otherwise, that associates me with this XXXX company. I did so only after asking the XXXXXXXX XXXX for legal proof three ( 3 ) times as well. Both Experian and the XXXXXXXX XXXXy have refused to do so and Experian has further refused to remove this fraudulent information from my credit report. 

While it is true that I have had past student loans only with the XXXX XXXX XXXX XXXX, those loans are clearly reported in my Experian credit report as Paid, Closed/Never Late. Furthermore the XXXX XXXX XXXX XXXX has no record of me or my former student loans transferring over to this XXXX XXXX. I made my original request to the Experian company back on XX/XX/XXXX, well over the 30 days as stipulated by the provisions of the FCRA, 15 USC, section 1681i. At this point in time I must bring this violation of the FCRA to your attention. 

Further understand that I have been extremely patient with the Experian company, pointing out the false distractions that the XXXXXXXX XXXX has provided instead of a required signed and legal contract, let alone Any type of alleged contract. I have brought these diverting issues to the attention of Experian, but they have refused to investigate them as well. 

For instance XXXX  claimed that on XX/XX/XXXX I called them up and verbally requested a discretionary forbearance, but Without Any Logical, much less Legal proof, XXXX then goes on to claim that I allegedly arranged to end my forbearance on XX/XX/XXXX, a mere 13 days later. When I brought this to the attention of Experian, it again refused to simply examine such a bogus claim in accordance with FCRA. 

I also informed Experian that XXXX falsely claimed that they had permanently assigned [ my loan ] to government in XX/XX/XXXX, but went on to indicate they were then servicing my loan for the XXXX company in XX/XX/XXXX, when the XXXX company first came into existence! This contradictory and blatant misinformation is the response provided by XXXX. But again Experian simply refused to address this egregiously false statement in accordance with FCRA. 

Lastly I provided Experian with a copy of my promissory note generated by the XXXX XXXX XXXX XXXX. Nowhere on this document does it state I signed over my student loan to XXXX, XXXX, XXXX or any other bogus company associated with XXXX. Again in violation of the FCRA, Experian dismissed this patently contradictory documentation that specifically refutes any spurious claim provided by XXXX. 

As is made clear, Experian is responsible to address this fraudulent information with expected due diligence within a period of thirty ( 30 ) days under the Fair Credit Reporting Act ( FCRA ), 15 USC, section 1681i. In accordance with FCRA, Experian has the burden of proof regarding the accuracy of any derogatory information they provide in their published credit reports. They have refused to do so, resulting in clear non-verification that requires the XXXX information be immediately removed from my credit file. I submit this fraudulent activity for your review and consideration.

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