Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

On or around XXXX XX/XX/XXXX I submitted complaint XXXX for a CRA  failure to fix the numerous errors in my credit file pertaining to my XXXX XXXX Student Loans. The complaint read : " XXXX XXXX, remediation and research associate within the XXXX XXXX has failed to conduct an investigation to complaint. IN fact his response states he " reviewed the documentation submitted and the decision of XXXX remains unchanged. '' Now, what wa sincluded in the documentation submitted was a copy of the MPN ( p. 4/6 and p. 5/6 ) clearly stating that I am not required to make payments durig periods of forbearances and deferments. The XXXX XXXX response that XXXX XXXX references clearly acknowledges the periods of deferment and forbearance spanning from XX/XX/XXXX thru XX/XX/XXXX. Here is what XXXX has now done in-total : Breach of contractural agreement and violation of my right of notice 1 ) Not required to make payments during deferments AND/OR forbearances ( see p. 16 ) 2 ) Statements were to be sent during periods of forbearance and deferment ( a ) XXXX XXXX. they did not provide billing statements for XX/XX/XXXX nor XX/XX/XXXX because the account ( s ) were specifically deferred ( see p. 18 ) ( b ) Per XXXX XXXX was to provide statements when payments were deferred ( see p. 15 ) ( c ) Screenshot of XXXX portal corroborates statement given referenced in 2 ( a ) clearly indicating statements were NOT generated for XX/XX/XXXX, XX/XX/XXXX ( see p. 29 ) ( d ) Screenshot also indicates next statement generated was on XXXX XX/XX/XXXX with due-date inside of 21 days ack. as minimum in XXXX XX/XX/XXXX letter AUTHORED BY XXXX XXXX on p. 21 Therefore, the history as reported by XXXX on XXXX XXXX XXXX for periods ranging from XX/XX/XXXX thru present are invalid/unverifiable ; XXXX XXXX is fully aware of these issues as he has allegedly reviewed the documenation I've provided to-date. That is, XXXX XXXX is knowingly and willfully providing false statements to the CFPB to protect XXXX from any consequences of enforcement action that may arise out of the issues I have and continue to present to the CFPB. It is not without noting that a Senator responded to my complaint to that office regarding the matter plainly stating The Senator is not allowed to get involved in the investigations of other government agencies. It is quite possible therefore that XXXX XXXX is intenionally being vague in his responses to the CFPB knowing full-well that XXXX is under investigation. It would be far easier for XXXX to do the correct thing, rather than the interim thing of XXXX. At the end of the day, XXXX will continue to supply this erroneous info to the CRAs, and provide false statements to the CFPB even when the documentation clearly refutes the assertions of XXXX. So, I will ask XXXX XXXX in this forum : since one of the loan groups has been charged off and allegedly sent to an outside collection agency ( according to the CRAs ), please provide me with the contact information, to include address, phone number, fax number, registered agent, and a copy of the credential that shows the colection agency handlig the CO accont is licensed to business in my state. '' The response on XXXX XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX to the CRA after receiving the complaint from the CFPB via the CRA was : " The company needs authorization from you to proceed with your complaint. 

We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed. '' XXXX XXXX is fully aware that the CRAs are empowered to conduct thourough investigations of consumer disputes. A dispute was opened by the CRA upon receiving my complaint from the CFPB. I was required to authorize the CFPB to release information regarding credit history to the CRA as a part of the complaint process. THE REASONABLE CONCLUSION THAT CAN BE DRAWN FROM XXXX RESPONSE TO THE CRA IS THAT XXXX IS STALLING TO PREVENT THE CRA FROM CONDUCTING A THOUROUGH INVESTIGATION. 

MY STANCE HAS NOT CHANGED AND I WOULD LIKE THE REQUEST TO BE HONORED. 

THIS REQUEST IS NOT TO SEND THE MATTER TO A COLLECTION AGENCY IF THE MATTER WAS NOT TURNED OVER TO A COLLECTION AGENCY BEFORE XXXX XX/XX/XXXX. I MAINTAIN THE ACCOUNT WAS WRONGFULLY CHARGED OFF BEFORE THE END OF A BILLING STATEMENT CYCLE AFTER XXXX STOPPED GENERATING BILLS FOR AND CO THE ACCOUNT IMMEDIATELY AFTER IT EXITED A DEFERMENT. ALL EVIDENCE INDICATES THIS WAS A TACTIC USED TO HIDE THE MISTAKES BY XXXX AND THEREBY STAVE OFF ANY ACTIONS THAT VARIOUS GOVT AGENCIES MIGHT TAKE FOR ILLEGAL STUDENT LOAN BILLING PRACTICES DISCOVERED BY THE CFPB SIMILAR TO OR AS REPORTED IN XXXX-CFPB-0013.