Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Formal Credit Reporting Complaint To Whom It May Concern : I am filing a formal complaint against Experian, TransUnion, and Equifax for improper and potentially unlawful credit reporting practices that have negatively impacted my credit score during a time when no payment obligations were due.

1. Improper Reporting of Student Loan Accounts The student loan accounts listed under DPT EDXXXX are being reported as open and actively impacting my credit, despite the fact that I am currently XXXX XXXX XXXXXXXX  and not required to begin repayment until XXXX months after XXXX. I do not confer my XXXX XXXX until XX/XX/XXXX, and I am entering a XXXX XXXX  at the same XXXX  with the same loan servicer just ten days later. Therefore, there is no justifiable reason for these credit agencies to treat these loans as active debts or to begin negatively impacting my score. 

These loans are deferred and should not be factored into credit scoring models at this time. I have not provided permission for these accounts to be reported as currently due, in violation of 15 USC 1681b ( 604A ). If they can not positively affect my credit history while deferred, they should not be allowed to negatively affect it either.

2. Multiple Score Reductions from a Single Paid-Off Account My auto loan was paid off by my insurance company on or around XX/XX/XXXX, following a total loss. Yet, both Experian and TransUnion issued multiple negative score updates from this single payoff within the same reporting cycle. These changes include : TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is improper under 15 USC 1681s-2 ( a ) and 1681i, which require accuracy and limit repetitive or misleading updates. 

3. Disputed Accounts and Inaccuracies I also dispute the following accounts and request immediate investigation : - XXXX XXXX XXXX  ( Acct # : XXXX ) - XXXX  ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  ) - DEPT OF ED/XXXX  reporting loans as active despite deferment status Requested Resolution : - Remove or correct all improperly reported student loan statuses- Eliminate multiple credit score adjustments for the same loan payoff within a single cycle - Remove or correct disputed account entries- Provide an updated credit report free of charge Supporting Laws : - 15 USC 1681 ( 602 ) Fairness and privacy - 15 USC 1681b ( 604A ) Permissible reporting - 15 USC 1681s-2 ( a ) Accuracy of furnished data - 15 USC 1681i Investigation of disputes Please confirm receipt and provide a resolution within 30 days as required by the Fair Credit Reporting Act. 


Sincerely, XXXX XXXX XXXX XXXX XXXX Phone : XXXXXXXX  Date : XX/XX/XXXXXXXX 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