Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate and potentially unlawful information that appears on my credit report provided by your bureau. Specifically, I am disputing XXXX or more entries submitted by XXXX, a XXXX XXXX XXXX, which falsely reported late payments on multiple student loan accounts in XXXX. 

These late payment notations are erroneous and constitute a violation of federal law, including but not limited to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., which mandates that only accurate, complete, and verifiable information may be included in a consumer credit report. Reporting inaccurate information, especially when done negligently or willfully, also violates my rights under the XXXX XXXX XXXX XXXX ( XXXX ) and XXXX constitute unfair, deceptive, or abusive acts or practices ( XXXX ). 

These late payments were reported on multiple student loan accounts while the accounts were supposed to be in a XXXX XXXX, but illegally taken out without proper notice ; It was illegally taken out of that forebearance without proper notice ; I, the consumer had filed a complaint about the cancellation of the forbearances. Subsequently, a XXXX XXXX ( Please review attached email sent directly to Navient which contain the dates and name of the XXXX XXXX ) stated they would get back to me regarding placing the account back into the covid forbearance status, and then said XXXX, criminally proceeded to remove all of my contact information out of XXXX XXXX ( evidenced by recorded call conversation recorded by the XXXX XXXX XXXX ). I only learned about this at a later date, at which time the illegal activity was disclosed to me by another XXXX XXXX, verbatim, also on a recorded line, recorded by the XXXX XXXX system, which they are required to retain per record retention laws which they have failed to and refused to produce for review and inspection. I never heard back from XXXX regarding the reinstatement of the covid forbearance, so I assumed they were still researching the matter. Until another XXXX XXXX XXXXnformed me, at a later date, that the last representative that I hadnt spoken with had illegally, criminally and intentionally removed all of my contact information after the call ended, the same call where I filed my dispute with them about the XXXX XXXX necessitating what they said would be research and/or investigation into the matter. This illegal activity was the direct causation of the account being reported late. The account had NEVER BEEN LATE IN XXXX YEARS until the deceitful, illegal, criminally, unethical violations and tortious interference of the XXXX XXXX. This was XXXX resulting in inaccurate information being reported on my credit report which must be removed under the law. 

- Reason for Dispute : These late payments are factually inaccurate and/or were submitted illegally or without proper verification. The alleged, erroneous late payment inaccurate information was caused by criminal actions of a XXXX XXXX in which that XXXX removed my contact information from the XXXX XXXX, illegally Under FCRA XXXX XXXX ( XXXX U.S.C. XXXX ), I request that your bureau immediately investigate this disputed information and, pending resolution, block it from my credit report. You are obligated to forward my dispute and all relevant documentation to XXXX for investigation. If the information can not be verified within 30 days, it must be deleted from my credit report. 

Additionally, if XXXX knowingly or negligently submitted false information, this may also be a violation of FCRA Section XXXX ( XXXX XXXX. XXXX ), which prohibits furnishers from reporting information they know or have reason to believe is inaccurate.

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