Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

After XXXX disputes Experian continues to report inaccurate information on my credit report. From XXXXUS department of Ed . for XXXX student loans. Instead of doing a thorough investigation, like I requested several times, to contact XXXX XXXX XXXX to verify the student loans were transferred XX/XX/year> from XXXX to XXXX, they refuse to do an investigation properly. Instead they just ask to verify the old information on my report, if it is accurate, from the last report date of XX/XX/year> from XXXX about the XXXX loans. XXXX stopped reporting in XX/XX/year> because the loans were took over by XXXX XXXX & it's so simple, in yet Experian will not remove these XXXX loans from XXXX from my report! XXXX keeps saying yes, when they verify this info. from the last reporting date of XX/XX/year> is accurate, because in XX/XX/year> it was accurate! BUT IT IS NOT ACCURATE NOW & HASNT BEEN FOR MONTHS! XXXX THIS IS SO RIDICULOUS!! I have talked to XXXX several times & they keep putting the responsibility on the new loan servicer XXXX XXXX  saying they have to report correctly & they have to provide the new information that the loans were transferred. How ever, they have reported correctly, XXXX XXXX has it reporting correctly, SHOWING I ONLY HAVE XXXX LOANS NOW WITH XXXX XXXX & IN XX/XX/year> US DEPT OF ED APPROVED ME FOR THE FORGIVENESS PROGRAM & THE OLDEST LARGEST LOAN THAT STATES XXXX on Experian report, ( ORIGINALLY XXXX XXXX ) WAS PAID 100 % IN FULL! Experian is reporting XXXX loans open instead of just XXXX open, with XXXX XXXX. Experian in showing XXXX loans still with XXXX open & XXXX with XXXX XXXX, open. Experian is also showing the loan that was paid in full, paid off but also showing it is open as well, when it's closed! Im so sick of these errors & lack of CONSIDERATION FOR MY LIFE!!! I HAVE WORKED HARD & SMART TO IMPROVE MY CREDIT & EXPERIAN & XXXX LACK OF PROFESSIONALISM IS SLOWING ME DOWN FROM MY DREAM OF BUYING A HOME!! I requested several times XXXX provide me proof of the student loans transfer to XXXX XXXX  & they told me XXXX XXXX XXXX has to provide it, but they are the old servicer, then XXXX XXXX  says no, it has to come from the old loan servicer, XXXX, not us, nothing we can do, we are reporting the XXXX loans correctly & reported in XX/XX/year> the XXXX loan was paid in full! I am so exhausted from no one truly caring to help me. By law the previous student loan servicer should had notified me that the loans have been transferred by a letter or email. In the past when the student loans were transferred I was notified by mail, ahead of time. I NEVER RECEIVED ANY NOTICES! & By law Credit reporting agency are supposed to report only accurate info & investigate fully! All XXXX had to do was provide me a letter of transfer so I can show proof to Experian & all Experian had to was contact both XXXX XXXX XXXX XXXX to verify by asking was these loans transferred & the one loan paid off fully! Its RIDICULOUS! & XXXX told me to get a letter of a transfer could take months! Again, my life should not be on hold because these companies aren't doing their jobs correctly & have no compassion for customers!! There is no excuses for this stress, IT'S DEVASTATING TO ME! I been dealing with this unnecessary mess since XX/XX/year> when XXXX XXXX  starting reporting they took over the loans from XXXX & one loan was paid off fully. Again, XXXX XXXX got it right! XXXX got it partially right, they are reporting The XXXX loans transferred from XXXX XXXX but also showing the XXXX loan that was paid off, still reporting open form XXXX. I been disputing this error with them too. XXXX By law all credit bureaus have to report the same accurate info. & again by law I should have been notified by XXXX these loans were being transferred to a new servicer & provide a letter by now. I am tired of calling & calling a making complaints & bending over backwards to get what I deserve in the XXXX place!! I AM TIRED OF MY RIGHTS BEING VIOLATED. IF THIS MATTER DOES NOT GET RESOLVED ASAP I AM SEEKING LEGAL HELP FOR A LAW SUIT! EXPERIAN XXXX XXXX ARE MESSING UP MY CHANCE OF BUYING A NEW HOME & OTEHR FUTURE CREDIT USES!