Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX DC XXXX ( XXXX ) XXXX XXXX DOB : XX/XX/XXXX SSN ( last XXXX digits ) : XXXX Date : XX/XX/XXXX To Whom It May Concern, This is a formal dispute regarding the inaccurate and unverifiable Dept. of Education/Nelnet account being reported on my credit reports with Experian, TransUnion, and Equifax. I am requesting full deletion of the account under the Fair Credit Reporting Act ( FCRA ) due to multiple legal violations and failure to provide proper verification. 


Dispute Basis ( FCRA Violations and Legal Justification for Deletion ) 1. No Proper Verification Provided ( FCRA 611 ) : The only item returned in response to my dispute was a XXXX billing statement dated XX/XX/XXXX. This is not sufficient to meet the requirements of FCRA 611. No original signed promissory note, application, or documentation proving ownership of the debt was included. Under the law, if the account can not be verified, it must be deleted. 

2. No Signed Agreement or Legal Documentation Provided : There has been no documentation confirming my legal responsibility for this debt. I have not been shown a master promissory note, loan disclosure, or any agreement containing my signature. Without that, the furnisher and bureaus have failed to meet verification requirements.

3. Conflicting Information Across Credit Bureaus ( FCRA 607 ( b ) ) : This same account appears under different names, balances, and statuses across Experian, Equifax, and TransUnion. These inconsistencies violate the FCRAs requirement for maximum possible accuracy and further justify deletion.

4. Dispute Resolved Through Automated Systems ( Improper Investigation ) : The reinvestigation relied on e-OSCAR or automated methods without actual document review. This fails to meet the standard established by legal precedent ( Cushman v. TransUnion ) that requires credit bureaus to conduct a real investigation with supporting documentation.

5. No Proof of Authorization to Report : Creditors must provide proof that they are legally authorized to report a debt to the credit bureaus. I have not received any such documentation, and the continued reporting of this unverifiable account violates my consumer rights under FCRA 602 ( a ).

Requested Action I am formally requesting : Permanent deletion of the Dept. of EducationXXXX account from Experian, TransUnion, and Equifax. 
A written response confirming the results of this dispute and explaining the basis for any continued reporting. 
Removal within the 30-day FCRA timeframe, or this issue will be escalated to the FTC, XXXX, and State Attorney General. 


Attached Documentation Nelnet billing notice dated XX/XX/XXXX Screenshots of my credit reports from TransUnion, Equifax, and Experian Copy of government-issued photo ID Proof of address 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