Consumer complaint received 2024-03-15 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: CA

Complaint narrative:
Recei8ved and confirmed with XXXX my loans have been forgiven. They are still reflecting on my credit report as balances owed. 

Forgiveness of Your Student Loans Dear XXXX, Congratulations! The XXXX XXXX has forgiven your federal student loan ( s ) listed below with XXXX in full. 
This debt relief was processed as part of the XXXX Administrations one-time account adjustment because your student loan ( s ) have been in repayment for at least 20 or 25 years. An adjustment to your account updated the number of payments that qualify towards income-driven repayment ( IDR ) forgiveness. This forgiveness is effective as of XXXX 

Loan Program Disbursement Date Original Principal Balance XXXX XXXX XXXXXX/XX/XXXX {$19000.00} XXXX XXXX XXXXXX/XX/XXXX {$21000.00} Log in to your XXXXXXXX account for details. 
WHAT YOU NEED TO KNOW Here are some important points on this IDR forgiveness : Due to the American Rescue Plan Act of XXXX the balance of your loans that were forgiven is not considered taxable income for federal income tax purposes. Since state and local tax implications will vary, we recommend you contact a tax advisor for more information. 

Not all your federal student loans may be represented in the table above as you may have begun repaying each loan on a different date. If you have federal student loans that are not included in the table, please continue to make payments on them. Payments are not required until after the payment pause ends at the end of XXXX. Your first payment will be due in XX/XX/XXXX. To find options to help with repayment, visit [ StudentAid.gov ] studentaid.gov. 

We have notified, or will notify by the end of the month, all national credit bureaus of your student loan forgiveness. 

If applicable, we'll process a refund for any payments made towards the loans listed above after the effective date of this forgiveness. 
NOTICE : This email is NOT an attempt to collect a debt or a demand for any payment. 
BEWARE OF SCAMS You might be contacted by a company saying they will help you get loan discharge, forgiveness, cancellation, or debt relief for a fee. You never have to pay for help with your federal student aid. Make sure you work only with the U.S. Department of Education and their loan servicers ( like us ), and never reveal your personal information or account password to anyone. Our emails come from XXXX. Emails that the U.S. Department of Education sends to borrowers come from XXXX, XXXX, or XXXX. You can report scam attempts to the Federal Trade Commission by calling XXXX or by visiting reportfraud.ftc.gov. 

Questions? Were here for you. Visit XXXX or call us at XXXX from XXXX XXXX to XXXX XXXX XXXX XXXX ) Monday, XXXX XXXX to XXXX XXXX Tuesday and Wednesday, and XXXX XXXX. to XXXX XXXX Thursday and Friday. Please note, this is a non-reply email. 

Sincerely, Your XXXX Customer Service Team

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 non-monetary relief