Consumer complaint received 2021-06-24
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX was the original servicer of my student loans and during the time that they had my loans they constantly redisclosed my loans every 3 months or so with inaccurate balances such as a loan going from a roughly $ XXXX balance to a XXXX balance then back to a $ XXXX balance at each disclosure. They also put my loan into forbearance/deferment during hurricane Matthew that hit North Carolina without my permission or advance notification. I received a notice in the mail state they were going to do this for those affected by the hurricane after they had already put my loans into that state. The last straw with them was when they denied my income based repayment plan renewal application because they stated they could not accept electronic signatures although they sent the application electronically. XXXX XXXX then proceeded to hit me with a 60 day late payment reporting on my credit in XX/XX/XXXX. I consolidated my loans from them and they were bought out by the department of education in XX/XX/XXXX. XXXX XXXX received the checks to pay off my loans XX/XX/XXXX. I later discovered that they reported 60 day late payments for XX/XX/XXXX on my credit. I called to have the derogatory remarks removed but they stated they would not as they had accurately reported. Months later I got an alert on my credit and they again reported late payments in XXXX on my report for 30 days late. I disputed all the late payments for XXXX and XX/XX/XXXX through the credit bureaus. As a result of the dispute XXXX XXXX removed the late payments reported in XXXX rightfully as the loans were paid off from them in XXXX. Instead of removing the late payment reporting for XX/XX/XXXX they changed the month to XXXX of XXXX and refused to remove them. I made commentary on my credit reports that I did not agree with the resolution. I filed a complaint with the office of the Ombudsman. I waited a couple of weeks and when I did not hear anything I followed up with the office of the Ombudsman and was told that they had another week to respond to either myself or the Ombudsman before the case would be escalated. I heard nothing after a week. I waited a couple more weeks before I contacted XXXX XXXX again and explained that they were supposed to respond to either myself or the Ombudsman. The rep spoke with someone above her and the next day I received emails from XXXX XXXX explaining they " corrected '' the month of reporting the XXXX late payments and removed them from XXXX and that was accurate. I got a credit alert the next morning stating negative items were removed on my XXXX account. I checked my credit report and for one of the loans held XXXX XXXX removed all late payments reported in XXXX but left them for the other loans they held although all loans with them were under one umbrella payment. Additionally, I checked my reports again today XX/XX/XXXX and I noticed they went back and reported two 60 day late payment reportings in XXXX again well after the loans were paid and they no longer serviced them. I contacted the office of the Ombudsman again and provided my updated credit report to have the case escalated. I called Experian and was informed that company once again went back and reported late payments for XXXX after they were removed with a previous dispute. The letters they sent to me still aren't accurate and do not match with what they reported to the credit bureaus. I don't want anyone else to have to go through this with this company. I just lost a mortgage in escrow over this along with {$5100.00} that I was set to close on XX/XX/XXXX.

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