Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to address ongoing issues with my credit reporting, particularly regarding Experian 's handling of my student loan dispute. I previously submitted a complaint about duplicate student loan accounts on my credit report, which led to a drop in my credit score and an inaccurate calculation of my on-time payment percentage. While Experian initially removed the duplicate account, it has since mistakenly removed the valid loan account, which had a perfect payment history. 

This removal has resulted in my credit score dropping by an additional XXXX points, bringing my total loss to XXXX points since the original dispute. My on-time payment percentage decreased by 25 %, despite having a flawless payment history. This situation is severely impacting my ability to qualify for an SBA loan, which is critical for my business operations. 

Experians online dispute center does not allow me to submit a dispute or add a Statement of Dispute since the account was entirely removed from their system. This is preventing me from correcting the mistake. 

Background : Original Issue : The removal of a duplicate student loan account after filing a dispute, which led to an increase in my credit score. 

Problem : Instead of correcting the initial mistake, Experian mistakenly removed the original student loan account, causing significant damage to my credit score and on-time payment percentage. 

Current Status : After sending a certified dispute letter to Experian requesting the reinstatement of the valid student loan account and recalculation of my credit score, I have yet to receive an adequate resolution.

Impact : My credit score dropped by an additional XXXX points, totaling a XXXX loss since the initial dispute. 

My on-time payment percentage dropped by 25 %, despite having a perfect payment history on all accounts. 

This is directly affecting my ability to qualify for an SBA loan that I urgently need for my business. 

Request for Resolution : Reinstate the valid student loan account with its full payment history, ensuring that my credit score reflects accurate information.

Recalculate my credit score based on the correct data, and provide written confirmation that the account and score have been updated. 

Ensure no further damage to my credit score upon the reinstatement of the loan account.

This ongoing issue has escalated from a simple dispute correction to a situation that is now causing measurable financial harm. I kindly ask the CFPB to assist in ensuring Experian takes the necessary steps to correct these errors in a timely manner and to prevent further negative impacts on my credit. 

Thank you for your continued assistance. 

Sincerely, XXXX XXXX XXXX XXXX to previous complaint Complaint Number : XXXX for any follow-up or clarification.

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