Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian keeps reporting inaccurate student loan account information on my credit report. After disputing 3 times, they still keep reporting this info as verified accurate when it's NOT & I explained the situation a million times. Experian just uses AI computer generated disputes & does NOT do a full investigation! Experian keeps telling me they get their information from the lender but I talked to the lender ( XXXX XXXX XXXX XXXX ) several times & they said they stop reporting to all credit bureaus in XX/XX/XXXX. & I talked to XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX. as well. In XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, took over all XXXX of my student loans, of the amounts of : {$5800.00}, {$3500.00} & {$30000.00} ( originally {$16000.00} ) These account were JUST transferred to the new student loan company, XXXX XXXX XXXX XXXX so on my XXXX XXXX report & XXXX it shows up same loans but new company. Plus, The {$30000.00} loan was 100 % PAID OFF in XX/XX/XXXX from a program I qualified for. So all the student loans started to show up on the credit bureaus in XX/XX/XXXX, because it took time to process. XXXX XXXX is the only credit bureau that is reporting my loans accurately, showing the new company XXXX XXXX XXXX, & just the XXXX loans I have for {$5800.00} & {$3500.00} in good standing. XXXX XXXX also shows the {$30000.00} 100 % fully paid or the original amount {$16000.00} 100 % fully paid & closed! XXXX is accurately showing only XXXX XXXX  new company & these XXXX loans {$5800.00} & {$3500.00} & the $ XXXX loan paid 100 % on XXXX XXXX But is still reporting XXXX XXXX XXXX  XXXX XXXX & {$30000.00} ( they got it part right ) & I just did a dispute with to remove the XXXX XXXX XXXX XXXX. loan of $ XXXX However, Experian is reporting all XXXX student loans still with the old company XXXX XXXX XXXX XXXX XXXXXXXX. & also the new company XXXX with the only XXXX student loans that should only be reporting {$5800.00} & {$3500.00} but is showing the XXXX XXXX $ XXXX loan ( original XXXX loan as fully paid & closed ( ITS THE SAME LOAN ) THESE ARE ALL THE SAME LOANS JUST NEW COMPANY TOOK OVER! What you are reporting is NOT accurate at all! It looks like I have XXXX loans on Experian report instead of just XXXX! It looks bad with future lenders & Im exhausted from trying to dispute inaccurate information on my report. I should not have to go through this stress its XX/XX/XXXX. By law Experian is supposed to only report accurate information. Experian is violating my rights & breaking the law. & Yes, I requested Experian to personally contact XXXX XXXX XXXX XXXXXXXX & to contact XXXX XXXXXXXX XXXX XXXX XXXX XXXX for verification & No they didn't ( for some reason that question Is not showing up on the CFPB report ) Thank YOU

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