Consumer complaint received 2021-03-17
Company: Experian Information Solutions Inc.
State: FL
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:
The Department of Education has duplicated the same information through several companies on my credit report. Making it appear that I owe 3-4 different companies the same amount of money ; and each of them are derogatory. Each of them reporting similar information but different payment histories, different start dates, different last activity dates. I have never had a contract with any of the companies listed below and I am in fear that I will be forced to pay upwards of {$45000.00} to clear up my name. XXXX XXXX DEPTEDXXXX. 
One credit bureau received an update from the Department of Education on XX/XX/2021, claiming that my past due balance had increased {$1.00} ( XXXX dollar ). The problem with that is that any information that the Department of Education is my student loan service provider is false/incorrect/fraudulent. It seems as though the Department of Education is purposely reporting inaccurate information. This repeated abuse is damaging and its only purpose is to cause injury. The reports submitted to the credit bureaus by the department of education should be deleted. 
Each credit account I have should only be listed on your credit reports once. But these accounts are listed multiple times. Accounts that are reported more than once may make it look like I have more debt. This is a violation of the Fair Credit Reporting Act XXXX FCRA XXXX. The fact remains, my credit report has at least 8 duplicated accounts that are all showing inaccuracies. On XX/XX/2021 the Department of Education reported a {$1.00} increase to those accounts and TransUnion dropped my XXXX score 55 points. TransUnion has since corrected the issue to show there was in fact no increase of debt. 
Today XX/XX/2021 ( 7days later ) DEPTEDXXXX and the Department of Education updated those accounts ; again showing another {$1.00} increase in the same accounts. TransUnion again dropped my FICO score, this time 59 points. This is retaliatory.

The has already closed my complaint about the Department of Educations reporting practices. Suggesting that I contact them directly. I have already tried. My interaction with the Department of Education is that they are unwilling to correct the errors on my credit report and they will not voluntarily delete their account. The fact remains, my credit report has at least 8 duplicated accounts that are all showing inaccuracies. 
Who else does a consumer go when the Consumer Financial Protection Bureau wont actually protect consumers from the Intentional Infliction of Emotional Distress and retaliatory behavior from what seems to be a predatory lender? 
The inaccuracies should be deleted from my credit report because they fail to meet the requirements under the Fair Credit Reporting Act ( FCRA ) ; where both the credit reporting agency and the information provider have responsibilities for correcting inaccurate or incomplete information in my report. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft.

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