Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I am writing to formally dispute the inaccurate and fraudulent information that continues to appear on my credit report. 

On XX/XX/XXXX, I contacted your bureau regarding several items that were both unfamiliar and incorrect. After being transferred multiple times, I was informed that I could not dispute these items. Nevertheless, on XX/XX/XXXX, I submitted a written dispute concerning the same inaccuracies. Following that submission, the disputed item was removed from my credit reportonly to reappear recently. 

Upon contacting Experian again, I was advised to refile my dispute, which I promptly did. However, to my surprise, the item was verified as accurate the very next day. This is highly concerning, as the account in question does not belong to me and should never have been verified. It appears that my disputes have not been properly investigated, and this ongoing issue has caused me significant distress. 

Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), a credit bureau must complete an investigation of a dispute within 30 days. If the bureau fails to do so, the disputed information must be removed. To date, this has not occurred. 

It has now been over a year since my initial dispute, and the same inaccurate item has simply been reinserted under a different name. I demand that all false and unverifiable accounts be permanently removed from my credit report. Should this matter remain unresolved, I will have no choice but to pursue legal action for the damages and emotional distress this has caused. 

Additionally, when I attempted to file another dispute on XX/XX/XXXX, I was locked out of the online system and instructed to call ( XXXX ) XXXX. I spoke with XXXX XXXX, who informed me he could not transfer me to file a dispute and that someone from the fraud department would contact me instead. This type of obstruction is unacceptable and reflects a pattern of unethical behavior that violates consumer protection laws. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I would like to highlight the following violations : 15 U.S.C. 1681 Section 602 ( a ) : I have a right to privacy, and reporting this account violates that right.

15 U.S.C. 1681 Section 602 ( a ) ( 2 ) : No consumer reporting agency may furnish an account without my explicit written consent, which I never provided.

15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may report adverse information that is more than seven years old. The account from the Department of EducationXXXX XXXX XXXX XXXX back to XXXX and has no payment history for over XXXX XXXX, clearly violating this statute. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) : A data furnisher must not provide inaccurate information to a credit bureau , especially when they know or have reason to believe the information is incorrect.

I therefore demand the immediate and permanent removal of these inaccurate and outdated accounts from my credit report. 

Thank you for your prompt attention to this matter. I expect a swift response and a written confirmation once the disputed information has been permanently deleted.

Company response to consumer: Untimely response