Consumer complaint received 2025-10-30 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: PA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Inaccurate XXXX Late Payment Reported by XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to formally request an investigation into a serious and ongoing credit reporting inaccuracy by XXXX. 

In XX/XX/year>, I noticed my credit score unexpectedly dropped from approximately XXXX to XXXX. Upon reviewing my credit report, I discovered that XXXX had reported a XXXX late payment on XXXX of my student loans. This is impossible, as all of my loans are in deferment and have been throughout this period. 

Since discovering the error, I have contacted the Department of Education and XXXX at XXXX times, each time speaking directly with managers on recorded lines. Every XXXX of these representatives acknowledged that the late payment was a mistake and assured me that they had submitted a dispute to their escalation department to have it corrected. 

Despite these assurances, nothing has been resolved. Each time I followed up, I was told that the previous representative either did not submit the dispute correctly or that it was still in review. I have been repeatedly promised correction and removal of this inaccuracy, but it remains on my credit report nearly XXXX months later, causing ongoing and substantial harm to my creditworthiness and financial stability. 

I also spoke with an investigator from XXXX who reviewed the case and explicitly stated that the delinquency should never have been reported. She further confirmed that, even if there had been an error with XXXX of my XXXX loans, it could not have occurred during that period since all loans were still under deferment. Her statement further confirms that this was a clear and preventable mistake on XXXX part. 

I am currently enrolled in school, which further supports my deferment status. I have email correspondence with my professors and prior communication with XXXX verifying my enrollment and deferment eligibility. 

Given the repeated admissions from XXXX own staffon recorded phone linesthat this reporting was inaccurate, I am respectfully requesting that the CFPB : Investigate this matter and ensure that XXXX permanently removes the false XXXX late mark from my credit reports with all bureaus. 

Obtain and review the recorded calls between myself, the XXXX managers, and the XXXX XXXX, as each of these calls confirms acknowledgment of the error. 

Ensure appropriate corrective measures are taken so this does not occur again for myself or other borrowers in deferment. 

This ongoing inaccuracy has caused significant and unjustified damage to my credit and personal finances. I have acted in good faith, provided proof of deferment, and followed all proper channels without resolution. I am asking the CFPB to step in and enforce correction of this clear error. 

They assured me that this would be handled around 30 days. I have the docs requested from XXXX which I emailed to them and still never heard back. The FTC is currently shut down but as soon as they are back up I will file with them as well. 

Thank you for your time and assistance. I am happy to provide any supporting documentation, including enrollment verification, communication with XXXX, and notes from my calls.

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