Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
* * XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XX/XX/XXXX * * XXXX XXXX XXXX * * Attn : Credit Reporting & Account Resolution Department XXXX. XXXX XXXX XXXX, TN XXXX * * RE : Formal Request for Validation and Immediate Investigation of XXXX XXXX Accounts * * * * Account Holder : XXXX XXXX | DOB : XXXX * * * * Experian Report Date : XX/XX/XXXX * * To Whom It XXXX Concern, I am writing to formally dispute and request comprehensive validation of all student loan accounts associated with my name currently being reported to Experian by XXXX XXXX XXXX XXXX The following accounts appear on my XX/XX/XXXX Experian credit report with various dates, balances, and duplicate listings that raise serious questions regarding their validity and your legal authority to report them. 

XXXX XXXX XXXX XXXX XXXX  DisputeXXXX XXXX Accounts : These are examples and not a complete list : - Opened XX/XX/XXXX Balance {$51000.00} - Opened XX/XX/XXXX Balance {$53000.00} - Opened XX/XX/XXXX Balance {$53000.00} - Opened XX/XX/XXXX Balance {$22000.00} - Opened XX/XX/XXXX Balance {$1500.00} - Opened XX/XX/XXXX Balance {$7100.00} - Opened XX/XX/XXXX Balance {$1600.00} Multiple accounts have identical or similar open dates and balances, creating the appearance of redundancy, misreporting, or fragmentation. 

XXXX XXXX XXXX XXXX XXXX  Under the Law, You Are Required To : Pursuant to the * * Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) * * and the * * Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) * *, I demand : 1. * * Full account validation * * for each reported loan, including : - A * * certified copy of the original Master Promissory Note ( MPN ) * * bearing my wet signature.

- The * * chain of custody * * showing how you lawfully acquired servicing rights.

- The * * legal authority * * under which you are collecting, servicing, and furnishing this data.

- A full * * payment and deferment history * * for each account.

- Details on any * * interest capitalization, fees, or changes * * in loan terms.

2. An explanation of why * * multiple accounts with overlapping balances and dates * * appear under your name, and how this is compliant with * * Metro 2 Format * * and * * CDIA Guidelines * *, which prohibit duplicate tradeline reporting and require accurate consumer-level data aggregation.

-- - # # # Additional Concerns : - * * The Department of Educations legal status is under current political scrutiny * *, including executive action proposing its dissolution. If your authority is derived through a contract with the U.S. Department of Education, I request a copy of such agreement.

- If you can not produce the original MPN or full chain of title, you * * lack standing * * to report or collect on these accounts, and they must be deleted under FCRA 1681s-2 ( a ) ( 1 ) ( A ).

- Any continued reporting without full verification may constitute * * furnishing inaccurate information knowingly * *, which is actionable under FCRA 1681n and 1681o. 

XXXX XXXX XXXX XXXX XXXX  Demand : If you are unable or unwilling to validate the accounts as described above, you are required to : - * * Cease all reporting to any credit bureau * *, including Experian, XXXX XXXX XXXX 
- Mark the accounts as * * '' disputed by consumer '' * * during your investigation. 
- Provide written notice to me of the resolution of each account within * * 30 days * *. 

-- - # # # Enclosures : - Copy of Drivers License - Copy of Social Security Card - Copy of Experian Credit Report ( XX/XX/XXXX ) Please send all correspondence and documents to the mailing address listed above. Failure to comply with this request may result in formal complaints filed with the * * Consumer Financial Protection Bureau ( CFPB ) * *, * * State Attorney General * *, and/or litigation for willful noncompliance under federal law. 

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