Consumer complaint received 2025-11-23 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:
For initial dispute, XXXX responded with incorrect effective date based on a in-house process " initiated transfer '' date of XX/XX/XXXX from the XXXX XXXX XXXX XXXX The correct effective date of discharge for a VA XXXX forgiven loan is the date the VA determines the borrower is totally and permanently XXXX. The official VA doc ( attached ) showing VA determined TDIU or permanent XXXX is XX/XX/XXXX, not XX/XX/XXXX. 

The lender is legally required to update effective date per the Code of Federal Regulations, specifically Title 34, Section 682.402 ( c ) and Section 685.213, which outline the rules for TPD refunds and effective dates. 

The effective date for student loan forgiveness based on a VA unemployability ( TDIU ) rating is the EFFECTIVE DATE OF THE VA 'S XXXX DETERMINATION, NOT A DATE SET BY A BOARD OF EDUCATION. 

* Lender/Servicer Responsibility : " Your lender ( or loan servicer ) is instructed to apply the changes based on the date determined by the official documentation, NOT THEIR OWN PROCESSING DATE. The XX/XX/XXXX date the lender shows appears to be a processing date, not the actual effective date of your eligibility. The correct/actual effective date is XX/XX/XXXX and any late payments reported between XX/XX/XXXX and XX/XX/XXXX should be removed, and you may be eligible for a refund of any payments made during that time. '' For TPD student loan discharge Your " XXXX date '' is the effective date of the VA 's determination. For TPD student loan discharge purposes, your " XXXX date '' is the effective date the VA determined you have a service-connected XXXX that is 100 % disabling or an unemployability rating ( XX/XX/XXXX ). * The XXXX XXXX XXXX uses this date. The XXXX XXXX XXXX uses this VA effective date to grant the TPD discharge. * PLEASE NOTE : * The OFFICIAL VA DOCUMENT and the XXXX XXXX XXXX XXXX document ( attached documents ) received by them, both state effective date of VA determined TDIU is XX/XX/XXXX. * Also, XXXX acknowledged " date approved by VA as XX/XX/XXXX '' and they are legally obligated to update and remove all adverse credit to include the XXXX and XX/XX/XXXX late payments. 

* * REMOVAL OF LATE PAYMENTS AND ADVERSE CREDIT HISTORY Yes, the regulations require the removal of adverse credit history associated with a XXXX loan. 

* * CREDIT REPORTING ADJUSTMENT : A discharge under these sections requires the loan holder to report the discharge to all consumer reporting agencies to which the loan status was previously reported. 

* * DELETION OF ADVERSE HISTORY : The reporting must include the deletion of all adverse credit history assigned to the loan, which would encompass records of late payments, defaults, and collection activity. After discharge, the borrower is not regarded as in default on that specific loan and becomes eligible for further assistance under XXXX XXXX, XXXX programs.

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