Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
To Whom It XXXX Concern, I am submitting this formal complaint and request for reinvestigation regarding multiple inaccurate and unlawful credit reporting entries made by TDECU ( mortgage & credit card accounts ), XXXX, and XXXX. XXXX ( medical collection ). These items are currently reflected on my credit reports and violate federal consumer protection laws. I respectfully request that the CFPB take action to investigate and assist in the resolution of these matters. 

XXXX. XXXX ( Mortgage & Credit Card Accounts ) and DEPTED/NELNET Unverified Late Payments TDECU and XXXX  have reported late XXXX to the credit bureaus without proper verification or due process. Under 15 U.S.C. 1666b of the Truth in Lending Act, creditors are prohibited from reporting adverse information such as late payments without first providing the consumer an opportunity to review or dispute the charge, and without verifying the validity of the information. 

I have not received any documentation validating these reported late payments, nor were they disclosed to me during any billing cycles. I am requesting a full reinvestigation and immediate deletion of all late payment notations made by these institutions on my credit reports with Experian, Equifax, and TransUnion. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dispute the continued reporting of my federal student loan accounts by DEPTED/NELNET. As a federal loan servicer, they are bound by the XXXX XXXX Rights and Privacy Act ( XXXX ), which limits disclosure of personally identifiable education records without the students explicit consent. Credit reporting of these student loan records without my written authorization constitutes a violation of XXXX. 

Therefore, I request the complete deletion of all student loan entries reported by DEPTED/NELNET from all three major credit bureaus. 

XXXX. XXXX XXXX with XXXX. XXXX XXXX and Improperly Reported XXXX XXXX {$670.00} medical collection is appearing on my credit report for a dental visit for my minor son. This collection is invalid for the following reasons : I had active insurance coverage at the time of service and paid the required co-pay. 

Over a year later, I was informed of a balance due only because the insurance claim was denied for timely filing, caused by the providers failure to follow up with the subscriber. 

This represents provider billing negligence, not consumer nonpayment. 

While the balance exceeds the {$500.00} threshold referenced in XXXX XX/XX/year> guidance, the debt itself is invalid and unverified. 

I request the immediate deletion of this medical collection from all credit bureaus and a reinvestigation requiring XXXX. System to provide full documentation to substantiate its legitimacy. 

Requested Action I respectfully request the XXXX assistance in requiring the following corrective actions from the data furnishers : Immediate removal of all unverified late payments reported by XXXX and DEPTED/NELNET. 

Complete deletion of all student loan entries reported by DEPTED/NELNET due XXXX XXXX violations. 

XXXX deletion of the {$670.00} medical collection account due to provider error and improper reporting. 

Removal of the comment XXXX disputes after resolution from all XXXX XXXX XXXX accounts once the reinvestigation is complete, as this remark is misleading, inaccurate, and punitive. 

If these actions are not taken, I intend to escalate this matter with additional formal complaints to the FTC, XXXX Department of Education, and the XXXX for XXXX XXXX for violations of federal law. 

Please confirm receipt of this reinvestigation request and notify me of the outcome within the timeframe prescribed under the Fair Credit Reporting Act ( FCRA ).

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