Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
ORIGINAL COMPLAINT AGAINST XXXX XXXX complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Incorrect information on your report : My complaint : XX/XX/XXXX, Dear XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX The U.S. Department of Education ( ED ) has determined that the federal student loan ( s ) you received to attend XXXX XXXX XXXX XXXX ), now known as the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ), on or after XX/XX/XXXX, through XX/XX/XXXX, are eligible for a full discharge. This means the remaining balance on the eligible loan ( s ) will be forgiven. You do not have to make any more payments on the loan ( s ). Your loan ( s ) will be discharged as part of an XXXX action regarding loans made to students attending XXXX between XX/XX/XXXX, through XX/XX/XXXX. This action follows EDs finding that XXXX made pervasive and widespread substantial misrepresentations borrowers relied on to their detriment and/or violated state consumer protection laws. 


XXXX RESPONDS : Company 's Response Thank you for reaching out to the CFPB with your concerns regarding your XXXX  loan account. We understand youre requesting an update on your XXXX XXXX to XXXX XXXX discharge claim. Our review confirmed that discharge approval has been received from FSA and your account is currently in administrative forbearance pending processing. Per servicing standards, the discharge will be applied within XXXX business days of when the approval file was received, and refund within XXXX business days after the discharge is applied. Thank you for your patience during this process. The national consumer credit reporting agencies are also updated within XXXX to 60 days from the completion of the discharge. 

DEPARTMENT OF EDUCATION RESPONSE : CASE FILE OFFICIAL DISCHARGE FROM THE DEPARTMENT OF EDUCATION ON XX/XX/XXXX : Seal of the U.S. Department of Education XX/XX/XXXX Dear XXXX XXXX : Subject : XXXX XXXX XXXX XXXX XXXX The U.S. Department of Education ( XXXX ) has determined that the federal student loan ( XXXX ) you received to attend XXXX XXXX ( XXXX ), now known as the XXXX XXXX XXXX XXXX XXXX ( XXXX ), on or after XX/XX/XXXX, through XX/XX/XXXX, are eligible for a full discharge. This means the remaining balance on the eligible loan ( XXXX ) will be forgiven. You do not have to make any more payments on the loan ( XXXX ). 

Your loan ( XXXX ) will be discharged as part of an XXXX action regarding loans made to students attending XXXX between XX/XX/XXXX, through XX/XX/XXXX. This action follows EDs finding that XXXX made pervasive and widespread substantial misrepresentations borrowers relied on to their detriment and/or violated state consumer protection laws. 

These misrepresentations are related to licensure eligibility for certain careers, program costs and financial aid, how long a degree would take to obtain, and the transferability of credits. Because of the serious and widespread nature of the misconduct by XXXX, XXXX has determined that it is appropriate to discharge the loans made to students who attended XXXX. This approach eliminates the need for an individual consideration of each borrowers claim. 

You also may receive a refund for prior payments made to XXXX on the loans that are being discharged. Your loan servicer will let you know if you are eligible for a refund, which would be mailed to you or sent electronically. Please check your online account with your loan servicer to ensure your address is correct ( as well as any banking information that is in your account ) so you can receive any refund. Otherwise, you do not have to take any further action to receive your discharge. Your credit report will also be updated to reflect this discharge when it is complete. 

It will take XXXX some time to process your discharge ; however, you do not need to make any payments on the loans you received to attend XXXX during the requisite period while your discharge is pending. Until XXXX completes its work, the eligible loan ( XXXX ) you received to attend XXXX will remain paused in forbearance/stopped collections, and we will not ask you to resume making payments. If your loan ( XXXX ) are in default, we will not attempt to collect on the loan ( XXXX ) being discharged. 

EDs determination is that the loans described above are not enforceable and that you are no longer obligated to repay them. As a result, XXXX will not seek to enforce them, and any future attempts to collect on or enforce your repayment obligations are without legal basis. Furthermore, because the loans described above and your repayment obligations are not enforceable, you are entitled to, and will receive, a discharge. 

XXXX recommends that you retain a copy of this letter for your records. Your borrower defense group discharge case number is listed above. You XXXX reference this number if you contact our call center with questions about your discharge. If you already applied for a borrower defense discharge, this case number may be different than your borrower defense application number. 

Although your servicer has been instructed that the loan ( s ) that is ( are ) the subject of this notice should not be put into repayment ( unless you have opted out of forbearance or stopped collections ), sometimes loans that XXXX has agreed will be discharged are erroneously returned to repayment status. In those circumstances, providing a copy of this letter to your servicer could aid you in resolving any dispute about repayment. 


XXXX XXXX updated XXXX of XXXX of my loans with the XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NUMBER : XXXX is still showing on my credit report of {$6900.00} Can someone please help me a Veteran in the process of getting my first XXXX XXXX XXXX, this is showing up as Debt to Loan Ratio. 
I have been dealing with this with XXXX XXXX since XXXX. 
XXXX PLEASE UPDATE XXXX XXXX XXXX XXXX XXXX XXXX It is well past the XXXX mark that XXXX XXXX responded in the original complaint to CFPB on XX/XX/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