Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
XX/XX/XXXX I previously submitted a letter concerning a drop in my credit score related to alleged late payment on a loan with XXXX that I did not know existed, and request that this be corrected with the appropriate credit rating agencies as listed above within the next 20 days. XXXX incorrect communication with XXXX XXXX XXXX Experian has caused my credit score to drop more than XXXX points and was caused by XXXX failing to communicate that this loan existed and failing to communicate that any payment was due. This has caused financial harm to me which needs to immediately be corrected by XXXX as detailed below. 
I recently saw my credit score had dropped to poor rating, which caught my attention, and I began to dig into the reason for this reduction in credit score. During my investigation I discovered I had a loan out under my name with XXXX that I was completely unaware of, that I needed to begin paying. The loan had been taken out in XXXX ( my first semester in college ) and I did not remember taking this loan. In subsequent years, I was not notified by XXXX via email, phone, or hard copy mail that I had a loan I needed to begin making payments on, nor how to make payments, nor if I even had an account set up. 
I have talked with a representative from XXXX, on XX/XX/XXXX and indicated that XXXX files showed that phone calls were made to me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We have researched our phone company records and find no inbound phone calls from XXXX during the months of XXXX, XXXX, XXXX, or XX/XX/XXXX, let alone on the days referenced. In short, XXXX  records are NOT correct. It is possible that an XXXX representative called a phone number that was NOT my phone number. 
I have mailed a copy of every inbound call I have received from XX/XX/XXXX to XX/XX/XXXX to XXXX, which indicate NO inbound calls from them. It has been XXXX months since I mailed out the evidence with a supporting letter, and have received NO response via email nor hard copy letter. Which they only have 30 days to respond, and have failed to. 
It should be noted that I set up an account with XXXX on XX/XX/XXXX, AFTER I discovered that this loan existed. Before that time, it is unlikely, if not impossible, that XXXX had my phone number or perhaps had an incorrect phone number they were calling. 
It is also noted that no XXXX records indicate a voice message was left on any of these non-existent phone calls. XXXX also claims that emails were sent to me, and my email ( normal account AND junk account ) do not show any emails from XXXX prior to the discovery of the loan and me setting up the online account on XX/XX/XXXX. 
Also, NO hard copy letter was ever sent from XXXX from the time of the inception of the loan to the discovery of the loan by me, which would be normal procedure to communicate missing loan payments from any normal lending institution. 

Since evidence exists and is included indicating failure by XXXX to communicate this loan or to provide payment details, there is no way that I, could have made payment to XXXX meaning the payments were NOT late but rather were not made because of XXXX failure to communicate any of the information with me. Payments were not made as XXXX failed to provide the necessary information to me in order to make the payment. 
The missing payment was brought to my attention on XX/XX/XXXX, I then immediately called XXXX and set up an account, asked how I make payments and immediately began making payments. After I called XXXX, was when I then received my first email from them. Prior to me reaching out to them, I had never received an email or hard copy letter about my loan, on any payments that I had missed. Now that I am aware, I am diligently making payments towards this loan, therefore I believe my credit score should be fixed back to what it previously was as the lack of payment was due to XXXX not communicating any loan or payment information to me. 
XXXX needs to contact all three credit rating companies ( Experian, XXXX XXXX XXXX  ) that have been provided any negative comments or communication regarding my credit and correct the prior mistake by XXXX. Any mention of late payment is required to be removed from past communication to the credit agencies listed above.

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