Consumer complaint received 2025-06-03 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: MD

Complaint narrative:
I am submitting this formal complaint regarding the continued inaccurate and negative credit reporting of my federal student loans by my loan servicer ( s ), despite being approved for the Public Service Loan Forgiveness ( PSLF ) program and having my loans currently placed in forbearance.

I was approved for PSLF and was informed that the negative credit entries associated with these loansprimarily late payment markswould be corrected by XXXX [ Insert Year ]. I have called multiple times since then and have been consistently told the changes would be reflected soon. However, as of today, my credit report continues to show multiple derogatory marks, which are no longer applicable due to my PSLF status and active forbearance.

In addition to my PSLF approval, I have also applied for the One-Time Income-Driven Repayment ( IDR ) Account Adjustment, which is designed to help borrowers like myself receive retroactive credit toward forgiveness and bring loan records into compliance with updated federal policy.

This reporting is inaccurate and violates several federal protections : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Under 1681s-2 ( a ), furnishers must report only accurate and complete information.

Under 1681i, credit reporting agencies must reinvestigate and correct inaccurate or unverifiable information once notified.

Continuing to report a loan with negative status while it is in approved forbearance or qualifying for forgiveness violates these responsibilities.

2. Higher Education Act of 1965, 20 U.S.C. 1087e ( m ) PSLF Provision This law provides that borrowers approved for PSLF are entitled to forgiveness after meeting program criteria. 

Servicers are expected to update loan statuses and cease reporting delinquencies upon program approval.

3. FDCPA, 15 U.S.C. 1692e ( 2 ) ( A ) If my loan servicer continues to communicate or report the loan as delinquent or in default, it could be interpreted as a false representation of the debts legal status.

I respectfully request the following : An investigation into the loan servicers failure to correct and update my loan reporting in accordance with my PSLF status, forbearance, and application for the IDR adjustment.

Immediate removal of all negative credit marks related to my federal student loans.

Written confirmation that the account has been updated to reflect its correct standing.

Enforcement of relevant legal actions for failure to comply with FCRA and related federal protections, if applicable.

This situation is creating unjust harm to my credit and financial standing. I have acted in good faith, met my public service obligations, and followed through with the appropriate federal programs. I am asking the CFPB to intervene and help ensure my legal rights are respected.

Thank you for your assistance in resolving this matter.

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