Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX unsuccessfully auto drafted my monthly student loan payment. This was due to a processing issue on their end, not mine. My payment did not draft in XXXX, at which time I called and addressed with XXXX. I have statements from my banking institution, which shows there was more than sufficient funds for the draft. I also added another bank account, which I also have statements from that show there was more than sufficient funds. They then failed to successfully draft payments for the months of XXXX, XXXX, XXXX and XX/XX/year>. I requested that XXXX review the phone call from XXXX that would prove this was a processing error on their end. They would not. This is legally unacceptable. They failed to draft payments because of a processing error on their end and will not remove from my consumer report. They stated that I received mailed documents and phone calls about the matter, but can not provide proof of marked postage or phone call recordings. Electronically generated invoices do not provide proof that I was contacted regarding the matter. My account was not set to receive electronic invoices at that time. This appears to be an issue across many who have XXXX servicing as a student loan provider- they should be thoroughly investigated for this and I am requesting that they be. I am unable to purchase a home at this time because of this issue, that was due to their negligence. This is unacceptable and I am attaching the following letter : To Whom It May Concern, Notice to agent is notice to principal. Notice to principal is notice to agent.

I have received a copy of my consumer reports and noticed that you have furnished transactions on my consumer report that are excluded by law under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), which states : Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report.

This clearly means a consumers transactions with a creditor are excluded from consumer reports. Additionally, FICO or any risk scoring algorithm used to calculate a credit score is not a defined or included factor under the definition of a consumer report.

Definition of a Consumer Report : Under the FCRA, a consumer report means : Any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of establishing the consumers eligibility for : ( A ) credit or insurance for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b.

FICO and XXXX are not defined or authorized in the statutory definition of a consumer report, making their inclusion a violation. 
Furthermore, I dispute the following late payment entries as inaccurate and a billing error that has caused undue harm to my character, my livelihood, and my family. I demand these items be immediately removed from my consumer reports : Pursuant to 15 U.S. Code 1666b ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

You are hereby requested to delete these late payment notations from all consumer reporting agencies. 

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