Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Below please find a copy of the complaint I sent to the three credit bureaus. 

I am writing to dispute the following information in my file. In XXXX of XXXX, my student loan company XXXX XXXX XXXX XXXX hereinafter ( XXXX XXXX either intentionally, recklessly, or negligently reported all my loan statues as 90 days late in the middle of the pandemic. 
Nelnets report that my loans were 90 days late is inaccurate for several reasons. First, simply look at my credit report, in XXXX of XXXX XXXX reported all my accounts as current, how is it possible for me to be 90 days late only one month later. The only notice I had that I was late was when I received the notice from XXXX XXXX My Credit drooped over 100 points, I was furious. I contacted XXXX and their holding message said, I didnt need to do anything during the pandemic. When I finally spoke to someone, they informed.me that I was 90 days late. I told them how is that possible when they just last month reported me on time, and they could not answer. When I asked why no one had ever contacted me via phone or email, I discovered that they had the incorrect phone number and email address. I have had the same phone number for 21 years and the same email address for the last 5. Furthermore, my contact information was sufficient for the previous owner of the loan to contact me via email and via phone. If there was any error with my contact information it is because of XXXX intentional, reckless, or negligent acts. When I contacted XXXX and made them aware I could not make the monthly payment they immediately made my loan current without even providing them with a payment and instructed me to file for a repayment plan with the government. After filing my paperwork with the government, I was given payment terms of XXXX $ for a year starting in approximately XXXX of XXXX. XXXX is the one to blame for my being reported 90 days late I did nothing wrong. Had they simply contacted me like the last owner of the loan did the loan would never have been reported 90 days late. Because of XXXX action I lost out on a car loan and an apartment. 
I am requesting that the loan status for all XXXX loans in XXXX of XXXX be changed to current and the designation of 90 lay payment status be IMMEDIATELY removed to correct the information. 
Please investigate this matter and correct the disputed items IMMEDIATELY. Please also be aware a copy of this letter is being sent as a complaint to the consumer financial protection bureau and I will be contacting an Attorney and pursuing legal action against both you and XXXX. You company is negligent for allowing an account to be reported 90 days late before it has first been reported 60 and 30 days late. Your negligence is as much to blame in the falsities on my credit report as XXXX. Your company has a duty to report my credit accurately and you breached that duty ny allowing my account to be listed as 90 days late before first being listed as 30 and 60 days late.