Consumer complaint received 2025-07-06 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: NM

Complaint narrative:
I am writing to formally dispute errors on my credit report related to my federal student loans. My loans are currently in approved deferment status from XX/XX/XXXX, through XX/XX/XXXX. However, late payments and delinquencies are being reported during this period, which is inaccurate and damaging to my credit history. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, furnishers of credit information must report accurate and complete data. Reporting late payments while my loans are in deferment status violates this federal protection. Additionally, under 15 U.S. Code 1692e of the Fair Debt Collection Practices Act ( FDCPA ), misrepresenting the legal status of a debt constitutes a deceptive practice. 

I attempted to enroll in the SAVE repayment plan during the transition period following the XXXX XXXX decision on student debt cancellation. However, I experienced persistent technical issues on the XXXX XXXX XXXX website that prevented successful enrollment. During this time, the Consumer Financial Protection Bureau ( CFPB ) and advocacy organizations highlighted widespread confusion about when federal student loan payments would resume and when delinquency reporting would begin. 

I also attempted to apply for the Borrower Defense to Repayment program but encountered repeated technical issues with the Department XXXX Educations website. My responses were erased or reset during submission multiple times, even after I requested a paper application. These technical failures prevented timely access to relief and contributed to the ongoing inaccuracies in my loan servicing and credit reporting. 

I also have reason to believe I may have been affected by the U.S. Department of Educations recent data breach. Since then, Ive received a sharp increase in spam and robocalls, suggesting potential misuse of my personal information. If my data was exposed, this may constitute a violation of the Family Educational Rights and Privacy Act ( FERPA ), which protects student education records. 

Additionally, I was serviced by both XXXX and XXXX, both of which have been subject to federal scrutiny. The U.S. Department of Education has acknowledged XXXX failure to send timely billing statements and its impact on Public Service Loan Forgiveness ( PSLF ) borrowers ( https : //studentaid.gov/announcements-events/pslf-servicer-transition ). The Government Accountability Office also confirmed widespread servicing errors in its XXXX report ( https : XXXX ). 

As a result of the above, I am requesting : - Removal of all inaccurate late payment reporting during my deferment period. 
- Full update of my loan accounts to show current or paid as agreed status. 
- A reinvestigation into the accuracy of my loan data in light of the DOE breach and potential FERPA violations. 
- Consideration of federal reports, CFPB guidance, and ongoing system failures related to SAVE and Borrower Defense access.

- Written confirmation of all updates and corrections made to my credit file. 

Please treat this as a formal dispute and reinvestigation request under the FCRA. I request a written response within the timeframe required by law. 

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