Consumer complaint received 2020-08-18
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian XXXX and XXXX  are all reporting my student loans unlawfully on my credit report. according to Washington state RCWs > Title 19 > Chapter 19.182 a consumer can not report accounts more than 7 years old. I have disputed all credit reporting agencys mentioned and was refused the correction. I have also disputed the wrong social security number being reported on my Experian credit report and the agency refused to fix the correction. I have also disputed my name being reported incorrectly and multiple times on experian and the agency refused to make the correction. The agent on the phone told me that it does not matter that my name is reported the way it is and that he was not going to remove it. I have also disputed wrong addresses being reported on all the mentioned credit reporting agency 's mentioned. the agencies are still reporting the wrong addresses. 

According to the cares act that has been passed due to coronavirus pandemic, Student loans are required to report cuurent status of loans as current and paid. Experian XXXX and XXXX are all reporting my student loans as past due and not current. I have complained of this recently and i have not gotten any corrective action, My civil rights are being severly violated XXXX is reporting wrong information about me to businesses causeing adverse actions they are also reporting information that should not be reported because the information is more than 7 days old. I have complained to Washington states Attorney general. XXXX responded claiming to be a reporting agency reseller but is being listen as a credit reporting agency on one of the adverse letters i have recieved from the business i was dealing with. 

the economical difficulties i have experienced from these credit reporting agencies has severly affected my family. I have children that have health issues that have been refused stable housing. I am a victim of XXXX  XXXX and i suffer from a XXXX XXXXXXXX. I have submited complaints to the department of education multiple times on the reporting on my credit report and i have not gotten any help. 

I am an XXXX american woman single mother low income and current on public housing assistance. The negligent acts of these businesses has restricted me from recieving services that would enable me to sustain a suitable life for myself and my children. I do not have the financial means to afford an attorney and have been forced to deal with the burden of these businesses. I feel victimized behind XXXX discrimination based on my race, family status, and XXXX. I have not had any corrective action dispite my multiple attempts to correct. I would like to peruse civil action against all parties involved

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