Consumer complaint received 2025-09-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Timeline of Facts and Evidence:\n 1. On XXXX XXXX XXXX  XXXX  sent me a prefilled Income-Driven Repayment (IDR) \napplication confirming I was being placed in the program (Exhibit B-1).\n 2. My account was in approved Natural Disaster Forbearance from October 16, 2024, \nthrough December 9, 2024 (Exhibit B-3).\n 3. My credit report shows 'ND' (No Data) for JanJun 2025, indicating I was not in active \nrepayment status (Exhibit C-1).\n 4. In early July 2025, XXXX  agents told me I was 83 days late. I explained that I believed \nI was in IDR. A supervisor confirmed this error but refused to correct it. Neither agent \nadvised me of the proper steps or placed me in forbearance.\n 5XXXX XXXX XXXX XXXX another supervisor admitted the XXXX  agents should have placed me in \nforbearance and resent my IDR packet. Their failure caused the false delinquency to be \nfurnished (Exhibit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Exhibit B-4).\n 1\nWhy This Reporting Violates the Law:- FCRA 607(b): Bureaus must assure maximum possible accuracy. Reporting this late \nafter months of ND and overlapping forbearances is inaccurate.- FCRA 623(a)(1)(A): Furnishers cannot report data they know or should know is \ninaccurate. By XXXX XXXX XXXX Nelnet had actual knowledge of the mishandling.- FCRA 623(b): Furnishers must reasonably investigate disputes. Nelnets own \nsupervisors admitted error.- CFPB Servicing Rules (12 C.F.R. 1024.38 & 1024.39): Servicers must maintain \npolicies to prevent errors and provide accurate information. Nelnet failed.- DOE Servicer Standards: Department of Education required servicers to prevent harm \nduring repayment restart and IDR processing. Nelnet violated these standards.\n Requested Relief:\n 1. Delete the July 2025 90-day late.\n 2. Update the tradeline to reflect Current / Never Late.\n 3. Provide the method of verification under FCRA 611(a)(6)(B)(iii).\n If this is not corrected 616617.\n Exhibits Enclosed:- Exhibit A: Identity & Address (Drivers License, Proof of Address)- Exhibit B-1: Prefilled IDR Application (Jan 2025)- Exhibit B-2: Paid in Full Letter (Jan 2023)- Exhibit B-3: Natural Disaster Forbearance XXXX XXXX Exhibit B-4: General Forbearance Approval (Aug XXXX XXXX XXXX Exhibit B-5: Call notes / summaries of Nelnet admissions XXXX XXXX XXXX XXXX- Exhibit C-1: Credit Report showing ND months and July 90-day late- Exhibit D: Certified Mail Receipts\n Sincerely,\XXXX XXXX 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