Consumer complaint received 2017-04-25
Company: Experian Information Solutions Inc.
State: NY
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:
I have submitted this claim prior but their response is still inaccurate . [  Case number :  XXXX  : YOUR COMPLAINT On  XXXX , I was contacted by  XXXX  and found out that payments made to  XXXX   XXXX  loans were only being applied to my  XXXX   XXXX . This has my  Direct Student  behind over 150 days behind despite paying almost double the minimum payment monthly for over 2 years. Being concerned about my credit report I agreed to forebearance to bring current. I have requested that i have written explanation of this and resolution so going forward so funds can be applied appropriately but seeing the articles I am concerned that this matter wont be resolved Hide full complaint What product or service is your complaint about?     PRODUCT OR SERVICE Student loan TYPE Federal student loan What type of problem are you having?       ISSUE Dealing with my lender or servicer HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY?   No Additional information COLLEGE OR UNIVERSITY  XXXX   XXXX  NAME ON ACCOUNT  XXXX   XXXX   XXXX  DISPUTED COMPANY 'S RESPONSE?   No What happened?     On  XXXX , I was contacted by  XXXX  and found out that payments made to  XXXX   XXXX /Direct loans were only being applied to my  XXXX   XXXX . This has my  Direct Student  behind over 150 days behind despite paying almost double the minimum payment monthly for over 2 years. Being concerned about my credit report I agreed to forebearance to bring current. I have requested that i have written explanation of this and resolution so going forward so funds can be applied appropriately but seeing the articles I am concerned that this matter wont be resolved I want the CFPB to publish this description on  consumerfinance.gov so that others can learn from my experience.      The CFPB will take steps to remove my personal information from this description but someone   may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
What would be a fair resolution to this issue?
Have the payment made to the separate account list on the payment forms, written letters to all   XXXX   credit agencies and correct the reports admitting to misappropriation of payments on their behalf with a letter for my own personal records What company is this complaint about?
COMPANY INFORMATION    XXXX   XXXX   Other  information about this company What people are involved?       YOUR CONTACT INFORMATION  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , New York  XXXX  United States Sent to company STATUS Sent to company on  XXXX  We 've sent your complaint to the company, and we will let you know when they respond.     Their response should include the steps they took, or will take, to address your complaint.     You should receive an update from the company within the next 15 days, and a final response within 60 days.     Company responded STATUS Company responded Closed with explanation on  XXXX  RESPONSE TYPE Closed with explanation Company 's response Thank you for reaching out to the CFPB with your concerns regarding your student loan account. ED-Navient currently services  two Direct Stafford Loans  on your behalf.  XXXX  currently services a  XXXX   XXXX   XXXX  on your behalf. Your Direct Loans and Consolidation Loan require separate payments to different addresses. Our records indicate that payments of {$35.00} have been received for your Navient serviced loan, which are insufficient to cover the full monthly payment amount. You can view your full payment history by logging into your account on Navient.com, selecting 'Account History ' from the menu, and selecting the time-period you wish to view. The monthly payment for your ED- XXXX  loans is {$41.00} and is next due approximately  XXXX   XXXX ,   XXXX  . The monthly payment for your  XXXX  loan is {$320.00}, and is next due approximately  XXXX   XXXX ,   XXXX  . We offer several options for making electronic payments free-of-charge. You  may submit a payment online at Navient.com by using your checking or savings account. You can also authorize the automatic deduction of funds from your bank account by enrolling in Auto Pay.  If you use e-billing through your bank or another third-party bill pay service, another payment option is to establish  XXXX  as the payee using your account number and  XXXX  's payment address. Please send payments for your ED- XXXX  loan to  XXXX  Department of Education Servicing,  XXXX .  XXXX   XXXX ,  XXXX , GA  XXXX . Please send payments for your Navient serviced loan to  XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , PA  XXXX . We 've conducted a thorough investigation stemming from your request that we review your credit report, which was completed. Based on the information available, our research has concluded that the information we 're reporting to the consumer reporting agencies is accurate and that no corrections are warranted. We have updated your credit report to reflect your disputed loan  ( s  ) as follows : Completed investigation of FCRA dispute - consumer disagrees. This narrative will be reflected on your credit report for each open loan you included in your dispute and will be included with our next update to the  Consumer Reporting  Agencies. If you wish to have this narrative removed from your credit report, please write to us at  XXXX .  XXXX   XXXX ,  XXXX , PA  XXXX . Please include your name, address, account/loan number  ( s  ), and indicate that you wish to have the dispute narrative removed from your credit report. The Fair Credit Reporting Act requires lenders who report information to the consumer reporting agencies to do so with accuracy.  XXXX  can not remove accurate information previously reported. We have confirmed our credit reporting is accurate.

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