Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: CT
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 as should be clear by now has 1 set of rules for all borrowers regardless of individual Promissory Note terms and conditions. This is by their own admission. On XX/XX/XXXX XXXX confirmed to me via email inquiry that they are amortizing my 2 Notes on a 180 month and 179 month repayment term in complete disregard for for the plain language of my XXXX. XXXX wrote to me and stated, at my 2nd request to confirm, " I am confirming, the original terms for your loan ending XXXX has 180 months of repayment in total and the original terms for your loan ending XXXX has 179 months of repayment total ''. My 2nd request for which these quotes were in response to were to have them confirm they were not conflating the remaining months but the original terms. My Promissory Notes for each loan clearly and plainly state in a section labeled " Repayment Period '' - The 'Repayment Period ' will being on the day after the Interim Period ends and will continue up to 300 months ''. So, by XXXX own admission they are fraudulently amortizing my loans off a 15 year repayment term vs my XXXX stated 25 year term. This has also now negatively placed credit harm on the cosigner they also refuse to release in accordance with my Promissory Note. A previous CFPB complaint addressed this, for which they still have not corrected their contract breach. As to their validity, in a letter dated XX/XX/XXXX their representative wrote " the Promissory Note [ s ] do not list the specific requirements associated with the cosigner release process. This is because the qualifications may change '' ... '' The requirements are valid as of the date of this response and are subject to change at any time without notice ''. The same Navient representative on a letter dated XX/XX/XXXX stated " Under the cosigner release requirements outlined in XXXX Promissory Note '' ( so they state no such requirements exist then state they do, but this is because they finally read my Notes and realized- but again, 1 set of rules regardless of individual borrower Notes ). To add to their lack of credibility that representative who stated requirements can change without Notice, my Notes state " The Note may be modified *only* if you ( XXXX ) put the modification in writing and the modification is agreed to by any borrower or cosigner '' - so, not at anytime and not without notice ... ..but, 1 set of rules regardless of an individuals Note. 
This level of fraud is on par with the fact they have also placed my loans into forbearance twice without my knowledge or permission resulting in fraudulent accrued interest. They have stated I requested these forbearance 's " verbally '' - which as usual ... is a complete fabrication. Those forbearance 's were fraudulently placed on my loans in XXXX and XXXX. I'm sure it is only a coincidence their executive at the time XXXX XXXX 's XXXX memo stating " Our battle cry remains, 'forbear them, forbear them, make them relinquish the ball ''. I tried to control the " ball '' by paying in accordance with the terms of my Note but their " battle cry '' won out when they do not follow individual Promissory Notes that do not conform to their rules that apparently can change without Notice, even if a Note states otherwise. 
I am accustomed to the response XXXX will give to this complaint, but these actions need to be searchable for others they are breaching their Notes and amortizing on fraudulent terms.

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