Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXXTHIS IS A FORMAL COMPLAINT UNDER THE FAIR CREDIT REPORTING ACT (FCRA), 15 U.S. CODE  1681 ET SEQ., AND XXXX XXXX REPORTING STANDARDS AGAINST EXPERIAN FOR REPORTING FALSE, CONFLICTING, DUPLICATE, AND NONCOMPLIANT INFORMATION ON MY CONSUMER CREDIT FILE, SPECIFICALLY RELATING TO FIVE (5) STUDENT LOAN ACCOUNTS FURNISHED BY DEPT OF EDUCATION/NELNET.\n\nTHESE ACCOUNTS, ALL IDENTIFIED UNDER ACCOUNT NUMBER PREFIX XXXX, HAVE BEEN REPORTED WITH SERIOUS DELINQUENCIES WHILE ALSO SHOWING DESIGNATIONS OF AFFECTED BY NATURAL OR DECLARED DISASTER AND PAYMENT DEFERRED DURING THE SAME PERIODS. THIS IS A CLEAR VIOLATION OF BOTH FCRA LAW AND METRO 2 DATA REPORTING STANDARDS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEFERRED PAYMENTS: XXXX XXXX XXXX XXXX XXXX XXXX  FIELD COMPLIANCE FAILURE  COMPLIANCE CONDITION CODE (CCC)\n   ACCOUNTS TAGGED AS AFFECTED BY NATURAL DISASTER (CCC = D) LEGALLY REPORT DELINQUENCIES** FOR THE SAME PERIOD. REPORTING 90-120 DAYS LATE DURING OR IMMEDIATELY FOLLOWING A CCC D PERIOD VIOLATES THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX GUIDELINES REQUIRE THAT PAYMENTS MARKED AS DEFERRED MUST BE REPORTED AS PAID AS AGREED OR CURRENT. REPORTING LATES DURING THESE MONTHS CONTRADICTS BASELINE INDUSTRY COMPLIANCE STRUCTUREXXXX. ND (NO DATA) CODE MISUSE \n   MULTIPLE MONTHS FROM XXXX  SHOW ND YET STILL REFLECT DELINQUENCIES. UNDER METRO 2, ND INDICATES A LACK OF REPORTABLE DATA, AND THUS NO DELINQUENCY MAY BE REGISTEREDXXXX XXXX XXXX  SEPARATE ACCOUNTS ARE BEING REPORTED FOR WHAT IS EFFECTIVELY A SINGLE OBLIGATION GROUPED UNDER ONE SERVICER (NELNET), CAUSING MULTIPLE DEROGATORY IMPACTS TO MY FILE. THIS VIOLATES XXXX XXXX "ONE ACCOUNT PER TRADELINE" REQUIREMENTXXXX XXXX1. 15 U.S. CODE  1681E(B)  DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY XXXX   EXPERIAN HAS FAILED TO ENSURE THE INFORMATION FURNISHED IS ACCURATE AND CONSISTENT, AS THEY HAVE ALLOWED CONFLICTING LATE REPORTS DESPITE DOCUMENTED DEFERMENTS AND DISASTER PROTECTIONXXXX 15 U.S. CODE  1681I(A)(1)**  FAILURE TO CONDUCT A REASONABLE REINVESTIGATION  \n   THE ACCOUNTS WERE PREVIOUSLY DISPUTED AND MARKED CONSUMER DISAGREES, BUT NO DOCUMENTATION WAS PRODUCED TO VERIFY THE ALLEGED LATE PAYMENTS. PER 1681I, A REASONABLE REINVESTIGATION MUST BE CONDUCTED, OR THE INFORMATION DELETED.\n\n3. 15 U.S. CODE  1681S-2(B)  FURNISHER DUTIES UPON NOTICE OF DISPUTE  \n   ONCE NOTIFIED OF A DISPUTE, EXPERIAN IS REQUIRED TO CORRECT OR DELETE INACCURATE INFORMATION. THESE OBLIGATIONS WERE NOT METXXXX. 15 U.S. CODE  1681C(A)  ACCURATE AND COMPLETE DISCLOSURE  \n   THE ND FIELDS AND MISSING MONTHLY UPDATES WHILE REPORTING DELINQUENCIES IS A VIOLATION OF 1681C(A), WHICH REQUIRES COMPLETE AND ACCURATE REPORTING OF ACCOUNT STATUTEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX     THE COURT HELD THAT CREDIT REPORTING AGENCIES MUST GO BEYOND PARROTING INFORMATION FROM FURNISHERS. EXPERIAN FAILED TO CONDUCT A GOOD FAITH REINVESTIGATION AND CONTINUED TO REPORT DAMAGING INACCURACIESXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX    THIS CASE ESTABLISHES THAT KNOWINGLY REPORTING FALSE INFORMATION OR FAILING TO CORRECT ERRORS AFTER BEING NOTIFIED CONSTITUTES A WILLFUL VIOLATION OF THE FCRAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   THE COURT RECOGNIZED THAT CONTINUING TO REPORT INFORMATION CONTRARY TO DOCUMENTED FORBEARANCES OR NATURAL DISASTER FLAGS IS A BASIS FOR DAMAGES UNDER THE LAW\n\n1. PRODUCE DOCUMENTS SHOWING VERIFIED LATE PAYMENTS OUTSIDE THE DEFERRED OR DISASTER PERIODS.  XXXX2. DELETE OR CORRECT ALL XXXX ACCOUNTS THAT VIOLATE FCRA AND METRO 2 STANDARDS. XXXX. REMOVE DUPLICATE XXXX XXXX BEING COUNTED MULTIPLE TIMESXXXX XXXX  PERMANENTLY DELETE ANY INFORMATION THAT CANNOT BE VERIFIED PER 15 U.S. CODE  1681I(A)(5)(A)XXXXFAILURE TO DO SO MAY RESULT IN A FORMAL ACTION AGAINST EXPERIAN FOR WILLFUL NONCOMPLIANCE AND DAMAGES UNDER 15 U.S. CODE  1681NXXXXEXPERIAN HAS XXXX DAYS TO REMOVE THESE ACCOUNTS FROM MY CONSUMER REPORT. EXPERIAN HAS SHOWN THE INACCURACIES ON THEIR OWN REPORTING CHART AND STILL IS REPORTING FALSE INFORMATIONXXXX THE ATTACHED LETTER XXXX  EXPLAINS THAT THEY HAVE NOT CONTACTED ME.'

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