Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
In XXXX and XXXX I did not meet the Title IV Federal Loan education prerequisites for the Federal Student Loan. The school 's admission representative misguided me at the enrollment meeting. The 36 years old loans were paid many years ago. I have now applied for Borrower Defense Relief. This issue is pending for review and could take up to 3 years for approval. Meantime the loans should be in forbearance status. I do not owe this debt. 

I believe I qualify for the Borrower Defense relief due to misconduct by XXXX XXXX XXXX. Approximately in XXXX, XXXX XXXX XXXX admission representative conduct misleads me by failing to inform the required prerequisites for the California XXXX XXXX XXXX XXXX license. The educational prerequisite is a XXXX XXXX diploma or the G.E.D. credentials. At the time of enrollment, I had an eighth-grade education. The admission representative conduct exhibited a false sense of urgency. That I needed to apply for financial aid, because this opportunity may not be available in the near future. And the admission representative said the Department of Education Student loans would pay for the programs tuition. I had no knowledge about a student loan and that I was required to repay loan. I did not meet the Title IV educational prerequisites for the Federal Student Loan. The high-pressure sales tactics cause me to enroll without all the necessary information for if this school best suits my needs. The admission representative stated that I could open my own Beauty Salon with XXXX XXXX XXXX XXXX XXXX and earn a substantial income. Because of the school statements and the omission to disclose the educational prerequisites for the Cosmetology license, I suffered financially. I never opened my beauty salon because of the shame of not having the required education for the Cosmetology license or the knowledge on how to obtain the G.E.D. credentials. The admission representative took advantage of my lack of higher education by pressuring me to take the financial aid, that I had to make the decision now, rather than discussing enrollment tuition with my mother. The admission representative pressured me by declaring that the school limited spots for the XXXX XXXX XXXX due to its high demand, that I needed to act now. The financial harm for receiving financial aid led to wage garnishments, not receiving Federal tax refunds, not receiving State tax refunds, bad credit, collection agencies harassment, and not qualifying for future higher education student loans. The ongoing humiliation that the debt has now tripled, even though the loans were paid by wage garnishments, Federal tax refunds, State tax refunds, and payment arrangements. I had no knowledge of all the facts to consider if whether the school was right for me which then imposed shame and a great financial harm. The debt is paid.

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