Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I discovered on XX/XX/XXXX that was a victim of Identity Theft which resulted in someone applying for college at University XXXX XXXX under my name and taking out Student Loans which were managed by XXXX XXXX. 

I completed the investigation process with both the University and XXXX XXXX as well as filed disputes with the three credit Bureaus. 

At the conclusion of the ID Theft Investigation with XXXX XXXX, despite sending them a letter from the University confirming I did not attend as well as filling out their " Loan Discharge Application : Identity Theft '' and sending them all other requested information, they mailed me a letter on XX/XX/XXXX stating that they received my request for loan discharge due to Identity Theft and stated " At this time, we are unable to process your request due to .. the loans you are disputing were canceled. The balance is {$0.00}. '' Additionally, I received a letter from Experian on XX/XX/XXXX stating that the reinvestigation of my disputes are complete and that " the outcome remains because the company that reported the information [ XXXX XXXX ] certified that the information is accurate. ". 

I have reached out to XXXX XXXX by phone and spoke to XXXX who said that she would put in a note for them to relay that I was a victim of Identity Theft, but I was not able to get any written confirmation of this. She stated in order to get this verified in writing to reach out through email. 

I reached out via email 4 times in the past 8 days specifically requesting they confirm in writing that the loans taken out under my name were the result of identity theft and that I had never taken out a student loan with them, so that I can send this to Experian, but they refuse. 

Instead, here are some of their responses : a ) " Hello XXXX, Thank you for contacting XXXX XXXX. Your document has been received. There are no loans associated with your account for the University XXXX XXXXThank you, XXXX XXXX b ) Hello XXXX, Thank you for contacting XXXX XXXX. I verified in the National Student Loan Data System ( NSLDS ) that the only loans disbursed in your name were for the University XXXX XXXX. The loans were canceled as of XXXX.Thank you, XXXX XXXX c ) Hello XXXX, Thank you for contacting XXXX XXXX . After further review of your account, there are no loans on your account. All documentation submitted will be reviewed and if any further actions are required we will notify you if anything else is needed. Please note that XXXX does not originate or disburse loans. For more information about the loans please contact the school 's Financial Aid Office. Thank you, XXXX XXXX -- -- -- -- -- -- -- -- -- -- Upon calling Experian, their automated system will not put me through to a live agent to rectify the issue, but directs me to refer to their site to find a solution. 

Their solution are to a ) " Contact the creditor that reported the information and dispute it directly with them ( if you originally submitted a dispute with a credit bureau ). Contacting your creditor directly is also the best way to get documentation or written verification concerning your account. '' - However XXXX XXXX will not provide this information b ) Provide the credit bureau with additional information or supporting documents related to your dispute. - However, I am unable to receive supporting documents from XXXX XXXX c ) File a complaint with theConsumer Financial Protection Bureauor your state 's Attorney General 's office about the creditor that reported the item. - This is what I am doing now -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please let me know how to go about this as I am unable to make any progress in ensuring that my credit report and records reflect accurately.

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