Consumer complaint received 2020-09-14
Company: Experian Information Solutions Inc.
State: OK
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:
I received notification from my credit repair consultants that a new settlement had been added to my account. A few days later a company called XXXX XXXX XXXX called me and left a message saying they were collecting a debt and they had certified papers that were to be served to my address, which they stated, and that any refusal to communicate would result in further legal action without my knowledge. And asked me to return the call. and my account was XXXX. Later that day they also called my brother and left a harsh sounding recording on his voice mail as well. 

And so withing the next couple of days i did return their call. When I spoke with them they asked me to identify myself and i confirmed my name and last 4 of SSN, ect. 
Then with a very rude tone of voice they told me they were collecting a {$7000.00} debt. I began to ask them questions like " Who was the original creditor? When was this account opened? '' His response was " All i have to do is confirm that you are not making a payment and then hang up the phone, Now Are You Paying Today or Not? '' His tone of voice was very abrasive and rude like the way that an abusive parent sarcastically derides their child. I asked again What is this for? He then told me it was for " XXXX XXXX XXXX, from XX/XX/XXXX, the original amount was {$2000.00} and now with all the fees and interest because you never paid it is now {$7000.00}. It was opened in XXXX and collection activity stopped in XXXX. '' " XXXX  XXXX XXXX   What? '' i asked. That just implies that it was for some school, but at the time i couldnt decide which. But he was very rude and mocked me as if i just should know exactly what this was for. " Now are you paying today, or not?! '' He snorted. And I said, " what Campus is this for? Who was the loan servicer? '' and he just hung up on me. 

With some thought i was able to remember when i should have been through each of the schools i've attended. And realized that in XXXX i would have been at XXXX College in XXXX  XXXX. I actually attended XXXX in XXXX and XXXX and later returned in XXXX to XXXX after being offered a job as an instructor there. I also have a current CFPB complaint on file against XXXX which is awaiting final decision. And so all of my Federal Student Loans are in deferment, even before the COVID crisis. 
And my original complaint against XXXX gives details of how when i was a student there i went through the 60 week Diploma program and then they used deceptive tactics to get me to enroll in the final 30 weeks in order to earn their " XXXX XXXX. '' I soon realized that they had lied to me to get me to sign up for the degree program, and i withdrew from that program after only 1 week. That was XX/XX/XXXX and I left XXXX and enrolled at XXXX XXXX XXXX College in XX/XX/XXXX. 
<br><br> This time at the end of my 60 week XXXX  and when I signed up for the extra 30 weeks for the degree was right around XXXX of XXXX. Which would coincide with the date given by the debt collector i spoke with at XXXX XXXX Department. And i think {$2000.00} is about what they would have charged me for the first 10 week class of the additional 30 weeks for the degree program. 

All of my loans from XXXX were in default for several years, because i was not able to find a decent job with my diploma from XXXX, in fact, many contractors saw my diploma from XXXX as more of a strike against me instead of a symbol of qualification. ( See my original CFPB complaint ) And it was around XXXX when i went back to my loan servicer and got on a plan to rehabilitate my XXXX XXXX loans. At that time All of the money i owed for XXXX College and the XXXX XXXX XXXX College were consolidated and rehabilitated, I began to attend the XXXX XXXX college, paying for my first few semesters in cash. By then my student loan accounts were rehabilitated and I could borrow again to continue my degree at XXXX and the University of  XXXXXXXX XXXX XXXX. ( See my original CFPB complaint. ) But I have documentation from StudentLoans.gov that each of the loans from XXXX and XXXX was Paid in Full by Consolidation and the one they list as opened XX/XX/XXXX-XX/XX/XXXX is listed as CANCELED, but the ammount is only {$800.00}. These loans cover all of my time in any school from XXXX. And all of them are Federal Loans. In those times I had a credit score in the 500 's, owned no home and made < $ XXXX. There is no way I could have gotten a Private Loan without a cosigner. And there is no cosigner on this account. All of the loans that i took out through XXXX were Federal Loans It is not possible that this was a Private loan, and it is more likely that is was misrepresented. Or maybe because the government canceled that part of my loan XXXX was trying to recover the rest of the loan? 

Currently, once i finally finished my XXXX  in XXXX XXXX from a respectable University, I was offered a good job with an XXXX  XXXX  and came to XXXX   XXXX. And after 3 years here I am beginning to really get a solid foundation for my financial well being and my family. And All of my student loans are in good standing with XXXX and XXXX. XXXX holds the majority of my loans including the consolidated amounts from when i went through loan rehabilitation. I have been paying for service from XXXX XXXX for 3 years to clean up the old marks on my credit report and this {$2000.00} ( {$7000.00} ) has not been on my credit report since at least XXXX. And XXXX closed in XXXX. 

So it seems that XXXX has sold a debt that they are not entitled to a collection agency, or when they rehabed and consolidated my loans they misreported what i owe and didn't include this {$2000.00}.

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