Consumer complaint received 2021-11-19
Company: Experian Information Solutions Inc.
State: KS
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: Their investigation did not fix an error on your report

Complaint:
I am disputing the accuracy of my XXXX XXXX. My credit score is STILL not correct. On XX/XX/XXXX, Experian was showing XXXX student loan on my credit report. XXXX credit cards and I filed many disputes against that. On XX/XX/XXXX Experian ( closed XXXX of my XXXX XXXX XXXX student loan accts ) decreasing my credit history which decreased my score by XXXX. AND CLOSED MY CREDIT HISTORY WITH THESE LOANS AND DECREASED MY FICO XXXX SCORE BY A TOTAL OF XXXX. These student loan accts were " Installment Loans '' and were suppose to be listed on my credit report and should NEVER had been closed. On XX/XX/XXXX, I filed a dispute. On XX/XX/XXXX my score increased by XXXX. On XX/XX/XXXX my score decreased by XXXX. On XX/XX/XXXX my score was decreased again by XXXX Due to Experian XXXX closing my Parent Plus Navient Loan accounts. I filed disputes with Experian online, talked with multiple CSRs there, sent certified paperwork twice, sent so much, easy to read paperwork and attachments, showing I had the loans through XXXX and am paying on them monthly. Through all of my efforts Experian refused to change my Parent Plus Loans back to OPEN status on my credit report. Also, according to XXXX CSRs, Experian never contacted them regarding my disputes. There was nothing in my XXXX file regarding ANY of my recent disputes. On XX/XX/XXXX, I filed complaints with Consumer Protection Agencies against Experian reporting my loans incorrectly, my amount of educational loans incorrectly, debt listed incorrectly and my credit score incorrectly. Navients response to my CFPB complaint was, the result summaries were accurate and were sent to the consumer on XX/XX/XXXX and XX/XX/XXXX as reported. Those are the dates of my disputes, XXXX & XXXX and Experian was still showing my Navient Parent Plus Loans as CLOSED, So, my credit report, was still missing information and was NOT accurate!!. So XXXX response is a bogus LIE!!!! After Experians response to my CFPB complaint, on XX/XX/XXXX Experian began showing my Parent Plus Loans as OPEN on my credit report and changed my Debt Summary to the correct balance. ( see attachments ) However, my credit score was NOT updated to show an increase in my credit score by XXXX that was decreased by Experian. My XXXX that was unfairly removed from my credit score do to Experian closing my Parent Plus Navient Loans ( decreasing my credit HISTORY ) accounts needs to be added back to my current INCORRECT XXXX XXXX ASAP. As of XX/XX/XXXX, I remain and continue to dispute this incorrect XXXX XXXX of XXXX. This should have been also updated on XX/XX/XXXX. My credit report needs to show, myself and potential Lenders the CORRECT FICO SCORE8 on my credit report and information regarding my credit history. As a consumer, I do not need or want to pay more interest on a loan than Im suppose to pay, due to my credit score/reporting being incorrect! Why is Experian NOT Complying to My Consumer Rights, FAIR credit reporting?

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