Consumer complaint received 2020-08-15
Company: Experian Information Solutions Inc.
State: KY
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:
Student loans that you have defaulted on or are delinquent on are going to stay on your credit report for Seven Years from the original delinquency date of the debt. 


Listed below are the current student loan lenders that are found within and on my credit report ; LOAN VENDOR, FIRST REPORTED, AS DELINQUENT, ACCOUNT NUMBERS, AMT. 
REPORTED, STATUS MUST BE REMOVED DUE TO 7 YEARS STIPULATION XXXX XX/XX/XXXX XXXX {$1100.00} PAID CLOSED YES XXXX XX/XX/XXXX XXXX {$4600.00} PAID CLOSED YES XXXX XX/XX/XXXX XXXX {$2300.00} PAID CLOSED YES XXXX XX/XX/XXXX XXXX {$1000.00} PAID CLOSED YES XXXX XX/XX/XXXX XXXX {$3900.00} PAID CLOSED YES XXXX XX/XX/XXXX XXXX {$5500.00} PAID CLOSED YES XXXX XX/XX/XXXX XXXX {$1000.00} PAID CLOSED YES XXXX XX/XX/XXXX XXXX {$6800.00} PAID CLOSED YES XXXX XX/XX/XXXX XXXX {$3500.00} PAID CLOSED YES XXXX XX/XX/XXXX XXXX {$4000.00} PAID CLOSED YES XXXX XX/XX/XXXX XXXX {$6000.00} PAID CLOSED YES XXXX XX/XX/XXXX XXXX {$3500.00} PAID CLOSED YES XXXX XX/XX/XXXX XXXX {$250.00} PAID CLOSED YES XXXX XX/XX/XXXX XXXX {$2300.00} PAID CLOSED YES XXXX XX/XX/XXXX XXXX {$2000.00} PAID CLOSED YES XXXX XX/XX/XXXX XXXX {$2300.00} PAID CLOSED YES XXXX XX/XX/XXXX XXXX {$2000.00} PAID CLOSED YES XXXX XX/XX/XXXX XXXX {$580.00} PAID CLOSED YES THESE ABOVE ACCOUNTS MUST BE REMOVED FROM YOUR CREDIT REPORTING AGENCY AS THEY ARE PAST THE SEVEN YEARS REPORTING AS STATED BY Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) are the two federal agencies charged with overseeing and enforcing the provisions of the act. THESE ARE TO BE REMOVED IMMEDIATELY!! AS SEEING THESE ARE FORGIVEN BY THE ENCLOSED LETTER AND SHOULD NOT REMAIN ON MY CREDIT REPORTS AS THEY HAVE IMPACTED MY ABILITY TO OBTAIN OTHER REMEDIES NEEDED TO HELP MY FICO SCORE OR OBTAIN OTHER NEEDED FINANCIAL OBLIGATIONS. 

REPORT FURNISHED BY EXPERIAN REPORT # XXXX FOR XX/XX/XXXX ATTENTION!! NOTIFICATION AND CAUSE OF NOTICE THE RIGHT TO HAVE ALL MY STUDENT LOANS TO BE REMOVED FROM ALL CREDIT REPORTING AGENCYS AND ANY OTHER RELATED VENDOR TO WHOM THESE MAY CONCERN DATED : XX/XX/XXXX TO : EXPERIAN XXXX  XXXX  FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KENTUCKY XXXX XXXX : ABOUT DELETING MY STUDENT LOANS OFF CREDIT REPORTING FILES DEAR SIRS ; I AM WRITING THIS NOTIFICATION AND COMPLAINT TO YOUR AGENCY IN REGUARDS TO MY CURRENT LISTINGS OF ANY SUBSTANTIVE STUDENT LOANS FOUND WITHIN ALL OF YOUR CREDIT REPORTING AGENCYS. YOUR ATTENTION TO THIS MATTER WILL BE GREATLY APPRECATED, A FIRM REVIEW OF THESE REPORTS SHOW CURRENT STUDENT LOANS ARE PAST THEIR REPORTING STATUS OF ( 7 ) SEVEN YEARS AND FALLS WITHIN THE XXXX DEFITION OF A COMMERICAL CONTRACT THAT HAS RANNED ITS LEGAL COURSE OF 10 YEARS AND THESE MUST BE REMOVED FROM ALL AND ANY CREDIT REPORTING AGENCYS RECORDS. AS SEEING THE NEGATIVE IMPACT WILL FUTHER DAMAGE MY ABILITY TO OBTAIN ANY LEGAL LOANS, OBTAINING ANY VALUED CREDIT AND AS THESE ARE IMPACTING MY CURRENT FICO SCORES. I HAVE FILED COMPLAINTS BOTH WITH THE ( FTC ) Federal TRADE COMMISSION AS WELL AS THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). ON THESE FACTS AND WHY YOUR AGENCIES HAVE REFUSED TO DELETE THESE FROM MY CURRENT CREDIT REPORTS. THE DEPARTMENT OF EDUCATION HAS FOGIVEN ALL THESE DEBTS AND HAS CLOSED EVERY ONE OF THESE ACCOUNTS. [ SEE ENCLOSED LETTER FROM DEPARTMENT OF EDUCATION ] IN KENTUCKY UNDER STATE STAUTES THESE LOANS ARE BEYOND THE STATUE OF LIMITATIONS AND THEREFORE CAN NOT BE INCLUDED WITHIN ANY CREDIT REPORTING BUREAUS FILES, RECORDS, OR TO CONTINUE TO REPORT THESE ON ANY CREDIT REPORT. 

WHEREFORE, I HAVE ONCE AGAIN ASKING YOU TO REMOVE THESE FROM ANY AND ALL CREDIT REPORTS AS THESE ARE PAST THE LEGAL DEFINITION OF STATUTE OF LIMITATION ASND THEREFORE SHOULD BE REMOVED FROM ANY AND ALL CEDIT REPORTS. AND AS FUTHER STATING THAT MY CEDIT FILE AS BEEN EXPOSED TO SEVERAL FRAUDULENT ACTIVITY IN THE PAST, ESPECIALLY FROM EQUIFAX AND EXPERIAN. PLEASE REVIEW THIS NOTIFICATION AND CONSIDER MY NOTIFICATION TO WITHDRAW AND DELETE THESE OUTDATED ACCOUNTS FROM MY CREDIT HISTORY. 

RESPECTFULLY SUBMITTED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UNIT XXXX XXXX, KENTUCKY XXXX XXXX. XXXX  XXXX  EXPERIAN XXXX FILES

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