Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Although I have never been late on a payment with XXXX  since they have become my loan provider they are reporting several late payments that I was told would be removed from my credit report by the department of education once I completed rehabilitation and my loan was sold to the next servicer which is now XXXX. Every time I call and inquire about their removal the representative says they can not removed late payments once they are reported. My last call to XXXX about this was today on XX/XX/XXXX at XXXX. Again I was told by the agent their is n't anything they can do. I asked for an email or address to the CEO or administrative offices that I could write a letter to and was told their was no email or address they could provide. I also told the representative today that I noticed that XXXX reports increase and decreases on my loan monthly to the credit bureaus that drastically affect my credit score. I asked the agent why are they reporting my loans like this especially considering they are in deferment. Her response was " I do n't know '' ... well shoot I do n't know why either and we both ca n't not know why!!! At this point XXXX fraudulent and inaccurate reporting of my loans are causing me to experience difficulty acquiring credit. I would like for them to remove the loan and the late payments from my credit report completely. 

There are also three ( 3 ) collection items being reported on my credit profile that do not belong to me. Two of the collections are listed by the same agency XXXX XXXX. The original creditor XXXX XXXX is reporting one account opened on XX/XX/XXXX and the second account opened on XX/XX/XXXX. How is it possible for me to have cable services at two different locations? These are not my accounts. The third collection with XXXX I have no association with as well. It is not and was not my account. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -  through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that these companies provide me with competent evidence that I have any legal obligation to pay them. I know these are not my accounts! 

Please provide me with the following : What the money you say we owe is for? Explain and show us how you calculated what you say I owe? Provide me with copies of any papers that show I agreed to pay what you say I owe. Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove that the Statute of Limitations has not expired on this account. Show me that you are licensed to collect in my state. Provide us with your license numbers and Registered Agent. 

I am aware of my rights. As such, under Section 809 ( b )  collection efforts must cease until verification is obtained- including pursuing this debt through an authorized representative to collect on this alleged debt. 

XXXX XXXX {$130.00} XXXX XXXX {$130.00} XXXX XXXX {$63.00} Thank You, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation