Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
To : Equifax Information Services LLC XXXX. XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Student Loan Reporting by XXXX Under FCRA Dear Sir or Madam, I am writing to formally dispute the inaccurate and potentially harmful information being reported on my credit report by my student loan servicer, XXXX, regarding one or more of my student loan accounts. This correspondence is submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Upon reviewing my credit report, I discovered that XXXX has reported inaccurate and misleading information, including but not limited to : [ Example : Misstating payment history as late when timely payments were made ] [ Example : Reporting a loan in default that is currently in deferment or forbearance ] [ Example : Reporting duplicate accounts or incorrect balances ] I am requesting that you conduct a reasonable reinvestigation of these inaccuracies as required by 15 U.S.C. 1681i ( a ). Please note that under the FCRA, the consumer reporting agencies are obligated to verify the accuracy of the information reported by furnishers like XXXX and correct or delete any information found to be inaccurate, incomplete, or unverifiable. 
I have attached supporting documentation, including : A copy of my credit report highlighting the inaccurate XXXX tradeline ( s ) Payment history or correspondence with XXXX ( as applicable ) [ Any deferment/forbearance confirmations, dispute letters, etc. ] Additionally, I would like to bring to your attention the following case law that supports consumer rights under the FCRA : XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) This case affirms that a CRA 's duty to reinvestigate includes a responsibility to go beyond the original source when the accuracy of the information is challenged. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Reinforces that inaccurate credit reporting can lead to liability under the FCRA if it results from unreasonable procedures or lack of reasonable reinvestigation. 

Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the disputed information can not be verified, it must be promptly deleted from my credit report. Please complete your reinvestigation and provide me with written results and an updated copy of my credit report within 30 days as required by law.

Should the inaccurate reporting remain unresolved, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue further legal remedies under the FCRA.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

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