Consumer complaint received 2017-06-02
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. (MN)

I am disputing   XXXX   wrongfully charged off private student loans listed under one of the following names across my credit reports associated with the major credit bureaus.
<P/>   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX , DE  XXXX    XXXX   XXXX   XXXX   XXXX   Or   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  , UT  XXXX    XXXX   Or   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  , UT  XXXX    XXXX   XXXX   XXXX   Information on the   XXXX   accounts : {$9400.00} ( current balance ) Notes : Balance fluctuated around XX/XX/XXXX from {$9500.00} to {$9400.00} although no activity had taken place on the account since XX/XX/XXXX  {$3000.00} ( current balance ) {$1500.00} ( current balance ) Was listed previously as {$1400.00} around XX/XX/XXXX .
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  XXXX   XXXX   /   XXXX   XXXX   XXXX   has been known to terribly manage private student loans such as mine, and they have made a serious mistake by wrongfully charging off my  XXXX  accounts.   XXXX    refused to take payment during my parent 's bankruptcy proceedings. My parents bankruptcy should not have impacted my ability to make payments to these loans. To give more detail- The co-signer of the loan,   XXXX   XXXX   , was involved in a Chapter   XXXX   bankruptcy. BKY Case No.   XXXX   XXXX  . The creditor (  XXXX  ) refused to take payment for these loans during the process of the bankruptcy. I called, emailed, and phoned, and was never allowed to make payments until the bankruptcy concluded. Upon conclusion of the bankruptcy these  XXXX  accounts were charged off, and remain as wrongful negative information on my accounts.
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Note : I have various other student loans on my credit report which I still pay on time to this day as they are serviced by   XXXX   XXXX  .
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  XXXX   was previously investigated for mishandling student loans, and during their acquisition of  XXXX  loans which concluded around XX/XX/XXXX .
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Here is a consent order created by the UNITED STATES OF AMERICA CONSUMER FINANCIAL PROTECTION BUREAU as an example of   XXXX   XXXX   negligence as a loan servicer : http : //files.consumerfinance.gov/f/201507_cfpb_consent-order-in-the-matter-of-discover-bank-student-loan-corporation.pdf   XXXX   XXXX   XXXX    Excerpt : The Consumer Financial Protection Bureau ( Bureau ) has reviewed certain student-loan-servicing activities of   XXXX   XXXX   , The   XXXX   XXXX   XXXX  , and   XXXX   XXXX   XXXX   XXXX   The Bureau has identified the following violations of law : ( 1 ) unfair and deceptive acts and practices relating to Respondent 's failure to furnish clear information regarding the student-loan interest consumers paid, in violation of 1031 ( a ) and 1036 ( a ) ( 1 ) ( B ) of the Consumer Financial Protection Act of   XXXX   ( CFPA ), 12 U.S.C. 5531, 5536 ( a ) ; ( 2 ) unfair acts and practices relating to Respondent initiating collection calls to consumers at inconvenient times, in violation of 1031 ( a ) and 1036 ( a ) ( 1 ) ( B ) ofthe CFPA, 12 U.S.C. 5531, 5536 ( a ) ; ( 3 ) deceptive acts and practices relating to Respondent overstating the minimum amount due in student-loan billing statements, in violation of 1031 ( a ) and 1036 ( a ) ( 1 ) ( B ) of the CFPA, 12 U.S.C. 5531, 5536 ( a ) ; and ( 4 ) violations of the Fair Debt Collection Practices Act, 15 U.S.C. 1692, et seq., in Respondent 's collection activities regarding defaulted student loans it acquired. Under 1053 and 1055 of the CFPA, 12 U.S.C. 5563,5565, the Bureau issues this Consent Order ( Consent Order ).
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Also page 10 : 42. Some of the Acquired Loans -- at least  XXXX  -- were in charged-off status at the time Respondent purchased them ( Defaulted Acquired Loans ).
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Further reading that proves  XXXX  is known to operate poorly, and take advantage of consumers such as myself :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ? iid=EL  XXXX  has also mishandled informing consumers about important student loan tax information. I received a notice on  XX/XX/XXXX  that stated some of the following ( from   XXXX   ). This further proves that   XXXX   is a terrible loan servicer and wrongfully charged off my accounts.
Important information for interest paid in  XXXX  and  XXXX  You may have recently received a letter from  XXXX  regarding interest you paid in   XXXX   or  XXXX  on your private student loans, and information on how to claim the Student Loan Interest Deduction on those prior tax returns, if you had n't already taken it. For your convenience, the interest paid amounts are available in your secure online account at  XXXX .
Act Quickly If you have not yet determined if you are eligible to claim the Student Loan Interest Deduction on your  XXXX  and  XXXX  tax returns, there 's still time, but the deadline is fast approaching. For most taxpayers, the last day to amend your  XXXX  tax return will be  XX/XX/XXXX .
If you have n't already, call   XXXX   XXXX   XXXX   at  XXXX  from   XXXX   XXXX   to   XXXX   XXXX    ET Monday through Friday to determine if the Student Loan Interest Deduction is available for your  XXXX  and  XXXX  taxreturns.
Please refer to your letter for specific details.
Please see IRS Publication  XXXX  for more information on higher education tax credits and deductions at irs.gov. We also encourage you to consult a tax professional for tax advice.
Sincerely,   XXXX   XXXX     XXXX   XXXX   XXXX