Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: NV
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:
This complaint is regarding what I believe to be the same falsified account on XXXX, Experian, and XXXX. I have disputed the accounts multiple times, the credit bureaus have all made the deceptive statement that the accounts have been 'verified as accurate ' even though they changed information each time that contradicted the previous information provided. I want these falsified accounts deleted from all three bureaus. There is not enough information associated with this account on my credit report to be able to verify how this loan originated as well as ownership, yet the credit bureaus are refusing to delete the account and refusing to provide documentation verification. Thats why I came to you. They are obligated because of this to delete the account entirely, but they are refusing to. Every time I have disputed this account with each bureau, something changes about how the account is reported. The information also as you can see, is inconsistent across the three bureaus. The first falsified set of information said it had been discharged in bankruptcy which was a lie. Then they changed it to, paid collection. Its changed multiple times. All evidence the account information is not accurate, and no ownership verification has been provided. I do not own this account and want it deleted from my report permanently. The following is all the information I have : XXXX : US Department of Education XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Account number blocked out, only shows last XXXX digits of XXXX. Comments section says it is a paid collection and was a single payment loan, perkins loan. Amount information, origination date missing. Payment history previously reported has been deleted after dispute ). 
I have NEVER had any such loan. I have never, and would never, take out a single payment loan. I have also never paid a collection related to a single payment loan. I dispute ownership of this account, and I demanded that the credit bureau require the reporter to provide a signed promissory note from me with my original signature to prove ownership and they refused. 

Experian : US DEPT of EDXXXX XXXX XXXX XXXX XXXX Iowa XXXX XXXX IA XXXX XXXX ( none provided ) Comments : Balance updated XX/XX/XXXX, {$1600.00} Original balance, XXXX is account number given, 36 month term, Education Loan, Paid, was a collection account, insurance claim, or government claim, or was terminated for default. 
They said or three times. If this account was verified as accurate according to federal law, how come they do not know for sure what it is and what to call it? 

XXXX : US Dept of Education XXXX Account number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Date Opened : XX/XX/XXXX Comments : Individual account, installment account, student loan, was 60 days past due, monthly for 120 months, account closed due to transfer, late XXXX and XX/XX/XXXX. 

Such a mess of misinformation across three credit bureaus. What is the US Dept of Ed doing? Are they trying to claim the same false account in three vastly different ways to each bureau? Are they reporting three separate false accounts with obvious incorrect and missing information about three separate accounts that are not mine? What is going on? 
I dispute ownership of any account or accounts related to the above misinformation. I demand that according to my consumer rights by federal law ; that the United States Department of Education ( each branch listed ), and each credit bureau ( XXXX, Experian, XXXX ), provide me complete and accurate information for each of the three account numbers listed by each division on each of my three bureau reports to include the following : # 1. Prove I took out a student loan related to each account by providing a signed promissory note that corresponds to the account information being provided, with dates and loan disclosures, and my original signature.

# 2. Prove what school distributed the funds.

# 3. Prove how the account was defaulted on, and how it was ultimately paid as claimed.

The US Department of Education, nor any credit bureau, will be able to provide that information because it does not exist. All three of these entries from US DEPT ED across each of the three credit bureaus must be permanently deleted. I am acting according to the advice of my attorney, and I intend to sue in federal court for pain and duress related to being denied credit based on this false information in violation of my federal consumer rights.

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