Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX XXXX, Experian, Equifax, and TransUnion regarding the continued reporting and collection of student loan debt that is no longer valid following the executive order to dissolve the U.S. Department of Education. 
XXXX. Illegal Credit Reporting : The credit bureaus have continued to report student loans that are unverified and legally questionable due to the dissolution of the Department of Education. This constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). 
XXXX. Failure to Verify Legitimacy of Debt : XXXX XXXX XXXX has failed to provide valid evidence of legal ownership, collection rights, or servicing obligations for the purported debts in light of the agencys abolishment. The lack of verification raises serious concerns about the legitimacy of these debts. 
XXXX. Unfair and Deceptive Practices : The continued collection efforts for these debts not only violate my rights under the FCRA ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ), but also represent an egregious disregard for consumer protections. 
XXXX. Account : XXXX - XXXX  XXXX - TransUnion displays this account as " on time '' with no late payments ; TransUnion doesnt display a late payment in XXXX of XXXX however, Equifax shows a 30-day late payment in XX/XX/XXXX. This discrepancy violates the requirement for accurate reporting. 
TransUnion displays {$120.00} amount past due while Equifax shows {$0.00} past due 2. Account : XXXX XXXX XXXX XXXX XXXX. 
- This account is not mine and must be removed from my report. 
XXXX. Account : XXXX - transunion displays credit limit of XXXX awhile Equifax shows {$0.00}, last payment was posted XX/XX/XXXX on transunion, while equifax shows XX/XX/XXXX Date opened show XX/XX/XXXX on transunion meanwhile, equifax shows XX/XX/XXXX T XXXX. Account : XXXX - Experian displays a 30 day late payment in XXXX of XXXX while equifax shows a 30 day late payment in XXXX of XXXX, consequently XXXX of XXXX experian shows 60 day late payment in XXXX and XX/XX/XXXX while Equifax shows no late payments in XXXX or XXXX of XXXX Given the circumstances, I hereby demand : - An immediate and thorough investigation into these matters. 
- The immediate deletion of all associated accounts from my credit report. - The cessation of any collection efforts by XXXX XXXXXXXX XXXX regarding these debts. 
I request that you conduct a thorough investigation into these matters and remove the inaccurate accounts from my credit report. If my request is not addressed within 30 days, I will proceed with litigation to seek {$1000.00} in damages for each inaccuracy reported on my credit report, as permitted by law. 
I appreciate your prompt attention to this matter and look forward to your timely response. 
Sincerely, 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