Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I finished an XXXX XXXX with XXXX in XXXX XXXX. Upon completion, I was paying a {$500.00} monthly payment to XXXX ( for school balance ). I also began paying a separate bill of approximately {$120.00} per month to a separate organization ( ended up being XXXX ), that I was not a 100 % clear about. I contacted XXXX about this " other payment '' and XXXX had no mention of it. They said that the only payment I was solely responsible for for the {$500.00} per month .. Uniquely, the {$120.00} payment would come out periodically and then sometime stop for several months, so it seemed truly fishy to me. But I was not sure who to contact for answers on this... aside from XXXX, which I contacted again in XXXX of XXXX... Double checking with them, that I had only one payment left ( not missing a single payment ) for a total of {$10000.00}. With that being said, I was under the impression that my schooling/payments were completed : ) I was so happy and thankful. 
Then, a month later, in XXXX of XXXX, my credit score alerted me of serious delinquency of XXXX - XXXX day lates, dropping my credit score from a XXXX to a XXXX ... Years of hard work and responsibility, to keep a good credit score, gone.. I then looked into the issue, that there was a loan servicer for the {$120.00} a month payment that reported 90 days late to each individual loan... Destroying my credit and my ability to borrow. This also reduced all of my open accounts 0 available balances, as I am now viewed a high risk borrower .. From that point on, I have contacted the servicer XXXX- and tried my best to explain the situation, that I was never aware of the separate liabilities and that I had spoked to XXXX  and they said I only owed the {$500.00} a month payment.. I didn't realized there was a separate arrangement, payment due ... and furthermore the loan had gone in and out of forbearance several times, with no payments taken out for months at at a time... making it even more confusing .. After dozens of phone calls between XXXX and the 3 credit bureaus the only chance I had was to dispute in hopes of a legitimate understanding. I had not been contacted by anyone regarding a balance, separate balance etc. I have always paid on time and was so thankful for the education I was able to pursue at XXXX yrs of age... Now, it hurts and totally demolishes any chance for me to be credit worthy and buy a home or even a car. The truth is, when I finished with XXXX, I was never notified of what and who I owe. In this day in age with spam/fraud calls/texts/emails, it is hard to discern what is legitimate and legal.. I thought I was doing the right thing but in the end I am at a loss. showing XXXX XXXX day lates on an otherwise impeccable credit report- sad.

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