Consumer complaint received 2017-08-23
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted this company about a debt reported to my credit. They are saying that it is a perkins loan, yet my school has no record of me owing any perkins loan. I asked the company for the original loan number so that I can give my school the loan number to dispute it, and they do n't have that either. My school told me to dispute it, and if they are working with them on it, then they will update it. THey are saying that they will take weeks to remove this from my credit if my school updates them. They are telling me that I have and asking me to prove that I do n't have the debt, when they ca n't even prove that I have it. 

They asked me to send over proof that the particular loan is in deferment, but I just realized that I ca n't do that because they ca n't even furnish me with information about the specific loan to do that. I am not going to send them a list of all my loans. In addition, there is no specific loan number so how will they match what I send with what they have? It 's like they are trying to collect information to report, something is not adding up. It makes not sense for me to call for a debt that I know I do n't owe. They were asking me who I spoke to at my school, but if my school is the original creditor should n't they know that. Also, my school said that there is a holder of the perkins loan, yes it goes through the school but they do n't actually give the loan themselves. 

I want this account removed from my credit because I never received such information about this loan from my school or from this company. I do n't want to wait while they are investigating this, because it is not correct. My school does n't have me owing any loans, and they have all loans updated and reporting as deferred. This company ca n't even give me information about the original creditor. I believe this information is incorrect, this loan that they are trying to collect does not belong to me, and there is no record of it since they ca n't give a specific loan number for me to provide to my school. I believe they as with most collection agencies they probably somehow caught wind of loans that were behind about a year ago, but they were updated and they were all deferred. Please remove this from my credit immediately. 

They need to send proof that my school is reporting this to them. I asked them who the contact is of the original creditor and they will not give me that either, it sounds really weird, especially since my school does not have record of this collection. Please delete this from my report as requested. Someone should not be able to report such a debt without proof from the original creditor.

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