Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX, just after completing my XXXX XXXX. I did a 10.5 month XXXX  for XXXX  under a veterans job program through a non for profit organization called XXXX. XXXX XXXX. This company provides veterans with an opportunity to gain experience in XXXX XXXX to hopefully gain a career in the field of XXXX XXXX. My service with XXXX  was from the dates were from XX/XX/XXXX to XX/XX/XXXX. 

During this public service for the United States, student loans are supposed to be placed in forebearance while doing the service. 

I properly filed my paperwork for this for both my student loan companies at the time, XXXX XXXX and XXXX. 

XXXX XXXX properly accepted my forebearance request with no issues. 

However, XXXX harrassed me and refused to accept my request even after repeatedly sending them the proper paper work. 

Keep in mind that during this public service, I was being paid a government stipend pay of just over $ XXXXmo and living in government housing on XXXX XXXX XXXX XXXX . 

In XX/XX/XXXX, while I was in my service, XXXX inappropriately reported me as 90-day late on my student loans. Since student loans create multiple accounts, this has placed seven 90-day late reports on my account. 

I complained to XXXX verbally and they refused to remove my late payment. I have reported this through multiple credit reporting agencies to attempt to correct this and XXXX refused to accept my request. I have written a letter to XXXX explaining the story and providing them with my service letter from XXXX and XXXX has refused to contact me or remove the late fees from my credit report. 

XXXX 's acts are inappropriate, inmoral, and an act of negligence. 

Even though I am a veteran of the United States who was just trying to do public service for their country, XXXX purposely went out of their way to try to hurt my credit score, which has impacted me strongly as it has reduced my credit score and has prevented me from receiving personal loans at a fair rate. 

XXXX has no reason or excuse to refuse to except my request to remove the seven 90-day late payments from my credit report. 

I believe that this act my XXXX is inexcusable and an act of treason to the United of States of America. The US Congress designed XXXX  and created the Corporation for XXXX XXXX   XXXX XXXX, an independent federal agency created to connect Americans of all ages and backgrounds with to give back to their communities and their nation. The intention of Congress when creating this program was to provide forbearance to those who participate in this National Community Service program so the ones that do participate in the program are not harmed financially. This program also provides those who are disenfranchised opportunities to gain critical skills important for finding well-paying careers, which improve the lives of Americans and their communities. 

I am certain that if any congressional member knew that a veteran was being hurt by XXXX on a federally backed student loan while participating in the XXXX program, XXXX would have to answer for this act. I am also certain that I must not be the only veteran that XXXX as commited this act to. 

I hereby, request that XXXX remove my seven 90-day late payments within 60-days of this formal complain. 

If XXXX as not removed my late payments by XX/XX/XXXX, my next step will be to send my formal complain to multiple members of Congress.

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