Consumer complaint received 2025-07-21 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: PA

Complaint narrative:
XXXXI am filing this complaint under the Fair Credit Reporting Act (FCRA) to address an inaccurate reporting issue on my credit reports concerning a defaulted student loan, which is significantly impacting my credit score, financial opportunities, and professional prospects. As a XXXX Veteran with a current XXXX XXXX rating, actively pursuing XXXX XXXX XXXX  that would require forgiveness of my federal student loan debt under the Total and Permanent Disability (TPD) Discharge program, this error is particularly urgent. Despite submitting disputes twice with XXXX Experian, and XXXX without resolution, I seek your intervention to correct this error, ensure compliance with FCRA, and address resulting damages. The issue involves a XXXX  Federal student loan  in default, which has caused my credit score to drop from XXXX XXXX XXXX. The loan is incorrectly reported by the servicer on my XXXX  Experian, and XXXX  credit reports with an open date of XXXX XXXX, when it was actually opened in XXXX XXXX, as evidenced by the XXXX XXXX This XXXX-year discrepancy makes the default appear recent, exacerbating its negative impact on my credit profile. This error has significant consequences. I am attempting to purchase a new truck, but the misreported default has led to prohibitively high interest rates on auto loans, increasing borrowing costs.  Additionally, I am pursuing career opportunities with XXXX XXXX and a global manufacturer in XXXX XXXX XXXX, where background checks are likely, and the misreported default could jeopardize my candidacy. As a XXXX  Veteran, I am also applying for a XXXX XXXX  rating, which, if approved, would mandate forgiveness of my federal student loan debt under the TPD Discharge program, making the correction of this credit report error even more critical to avoid undue financial and professional harm. XXXXI submitted disputes to XXXX, Experian, and XXXX twice, most recently in XXXX XXXX XXXX XXXX, but the bureaus have failed to correct the open date, violating FCRA requirements for accurate reporting and timely investigation (15 U.S.C.  1681i). I have gathered documentation, including loan agreement, to support my claim that the loan originated in XXXX XXXX. I respectfully request that the CFPB:XXXX Investigate the failure of XXXX  Experian, and XXXX to correct the loans open date to XXXX XXXX Compel the loan servicer to update the reported information to reflect the accurate XXXX XXXX open date.XXXX  Assess potential damages under FCRA, including higher auto loan interest rates, increased costs for debt consolidation, and potential professional setbacks due to the inaccurate reporting.XXXX Ensure compliance with FCRA to protect my credit and financial stability, particularly given my pursuit of a TPD Discharge for my federal student loan as a XXXX Veteran.XXXXThe urgency of this matter is heightened by my ongoing truck purchase, job application processes, and pending XXXX XXXX rating application, which could result in loan forgiveness.  Please contact me at XXXX XXXX XXXX XXXX XXXX  for additional information or clarification. I appreciate your assistance in resolving this pressing issue and ensuring my rights under the FCRA are upheld.'

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