Consumer complaint received 2025-06-06 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: CA

Complaint narrative:
On XX/XX/year> I created an online account which provided me access to my student loans services by XXXX. To my surprise, I discovered that my accounts were reported delinquent, despite the fact that I never received any notices or monthly statements regarding the status of my accounts via mail or e-mail. I have not never signed up for paperless communication, or paperless monthly statements and despite all this, XXXX claims that they are not in the wrong, as long as they sent the notification into allegedly " my account '' which I did not even had access prior to XX/XX/year>. The last communication received from XXXX prior to XX/XX/year> was a letter dated XXXX XXXX while I was still in school. I immediately called XXXX and spoke to an advanced agent name XXXX. As I explained to XXXX, the lack of communication from XXXX and the fact that I did not receive the monthly statements for my loan, I also explained to her that as a new graduate in the current economic environment, I was unable to find any job until XX/XX/year> when I was finally able to get hired on a job position that provides me with under $ XXXXmonth after taxes. Despite the stressful financial situation, I was willing to pay right then over the phone, and clean up my account, but the agent ( XXXX ) explained to me that they will update the account and place it under forbearance which will bring the account current and resolve the late payments reported to the credit bureaus with the next reporting which should be by XX/XX/year> when they usually report to the 3 credit bureaus. 
On XX/XX/year> I called XXXX to inquire about them not updating the account with the credit bureaus and I was told by the agent who took my call that it may take another couple of days. 
On XX/XX/year>, I called XXXX again and the current agent stated that the account status will eventually be updated as current, since the forbearance took care of the past months but they will not remove the late payments reported prior to the credit bureaus. He stated that although legally my account is current and in good standards, and the forbearance postponed any prior payments on my account, they will not do any so called " good will '' reporting, and that XXXX will not remove the late payments reported to the credit bureaus during the forbearance period. Technically, if the forbearance is in place and is postponing the payments during temporary hardship, any reporting for that period of time while the account was under forbearance should clearly show no late payments since no payments were legally due and, thus XXXX should remove the late payments reported prior as it falls under the forbearance rules. 
I will be attaching the fobearance letter I have received as well as the first paymnt statement which shows no amount past due.

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