Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have an error on my credit report involving XXXX XXXX Bank and both mortgage and student loans. Iam a single parent and a deceased veterans widow. In XXXX I moved to XXXX Ga and utilized my VA loan to purchase my first home for {$180000.00}.. On XX/XX/XXXX. I sold my house in a short sale for {$150.00}, XXXX. My mortgage account was paid in full leaving a balance of XXXX I attendee graduate school, from XX/XX/XXXX to XXXX. Earning dual subject masters .I received a small portion of my education loans from XXXX XXXX XXXX XXXX XXXX All of my loans collectively are about XXXX, XXXX, inclusive of my XXXX and graduate loans. I am disputing amount of {$180000.00} that was added to my school loans in XXXX. I have no class or educational loans in the period of XXXX to XXXX that required me to obtain a loan for the disputed amount. In fact collectively my student loans for my graduate and under graduate programs were leas than the disputed amount of almost $ XXXX debt added to my loans whom where being serviced by Federal Loan Service XXXX I spent XXXX until XX/XX/XXXX .my Experian credit report reflected the removal of the disputed amount XXXX {$180.00}, XXXX A great XXXX present. 
On XX/XX/XXXX, all federal student loans were assigned to XXXX for loan servicing. I was told there was an error but no one will correct the account. I have disputed with the credit bureaus and the new agency XXXX. I also submitted communication from wellsfargo admitting that I had a mortgage with a very similar amount which was paid in full. Due to FCA laws XXXX XXXX admitted that they can not change account data, all credit reporting was deemed accurate. I also filed more than 5 disputes with Experian credit report I am now claiming identity theft because this is not my debt. Experian always agrees with a judgement favoring the creditor. Regardless of my supporting documents no one will attempt to correct this negative debt. Intially my credit plummeted due this notation I was unemployed and my credit report implied that I had ( at that time ) {$300000.00} in student loans.m the majority of that would have been the amount I am disputing. An amount close to my mortgage balance paid in full XX/XX/XXXX. XXXX. 
Experian customer service explained that they input all data on behalf of the creditors. Please see my communication with XXXX XXXX dated XX/XX/XXXX th XXXX XXXX agreed ( with my written permission ) to contact the credit agencies and request that they remove the trade lines and narratives associated with this disputed inaccuracy. In short, I believe that my having financial accounts ( mortgage and school loans ) in the same bank caused an administrative error. My mortgage data was placed under student loans both transactions ( loan and mortgage had an identical reference number. I have contacted all parties involved in this dispute. There have been no corrections by EXPERIAN OR XXXX have made no corrections to my credit report. I did not have a educational loan for $ XXXX in one semester between XXXX XXXX, ever. This is identity fraud. I believe a careless administrative error has depleted my credit score. Has affected my income and economic growth potential and my ability to apply for credit. I have read reviews and blogs about the negative impact, m inaccuracies and administrative errors affecting some student loan account holders. A large majority are a result of the XXXX loan service provider change. The transition. to XXXX has been problematic Anything to clear this up would be appreciated. 
Please see supporting documents XXXX XXXX XXXX