Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX Department of Education ( s ) or Servicer, if known ] regarding student loans, including Parent PLUS loans, I was coerced into taking out between XXXX and XXXX. These loans, along with fraudulent negative comments placed in the remarks section of my credit report, have caused severe harm, including blocking me from job opportunities. I am serious about this matter and demand immediate action to remove all negative comments and either mark all related loans as paid in full or delete them entirely from my credit report. I will not tolerate further delays or negligence in resolving this injustice. 

At XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX, I was exploited by the financial aid office, which coerced me into taking out loans under threat of expulsion. They manipulated my XXXX  good credit, pressuring me to secure Parent PLUS loans in her name, claiming it was necessary to continue my education. I was also instructed to use my XXXX  information to obtain additional aid or a grant, but instead received only more loans, no grants. My scholarship was fraudulently revoked, forcing me to borrow further, and in several instances, I did not receive the full disbursed amounts. I have extensive evidence, including emails documenting these predatory tactics, which I submitted with my loan discharge application on XX/XX/XXXX. I have received no response, and the negative remarks and loan entries continue to damage my credit. 

I explicitly requested that the university and loan servicer ( s ) investigate these accounts, secure original loan documents, and match them to the dates in question to verify accuracy. They failed to comply. They did not provide any evidence to substantiate the validity of these loans or the negative comments on my credit report. They did not conduct a proper investigation, nor did they produce any documentation to demonstrate that these entries are accurate. This is unacceptable and unlawful. 

These actions violate multiple laws. Under the Consumer Financial Protection Act, 12 U.S.C. 5531, unfair, deceptive, or abusive practices are prohibited. The Higher Education Act, 20 U.S.C. 1087e, provides protections against institutional misconduct in federal student loan programs. The Fair Credit Reporting Act, 15 U.S.C. 1681i, mandates that furnishers investigate disputed information and correct inaccuracies, which they have failed to do. In XXXX, the Deceptive Trade Practices-Consumer Protection Act ( DTPA ), XXXX. Bus. & Com. Code 17.41 et seq., prohibits false or misleading representations, such as those made about my scholarship and financial aid. These violations have caused irreparable harm, and I demand accountability. 

The negative comments in my credit reports remarks section and the fraudulent loan entries have blocked me from employment and other financial opportunities, devastating my livelihood. My remedy is clear : I want all negative comments removed immediately and completely from my credit report. Additionally, all related loans must be either marked as paid in full or deleted entirely to prevent further damage to my credit and future. Anything less is unacceptable. 

Enclosed are loan discharge application, and supporting evidence, including emails showing the universitys coercive instructions to use my parents information, the fraudulent revocation of my scholarship, and other misconduct.

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