Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Subject : Dispute Regarding Inaccurate and Unverified XXXX XXXX Information on Credit Report To Whom It May Concern, I am filing this complaint regarding inaccurate and unverifiable XXXX XXXX information listed on my credit report. Despite multiple disputes submitted to the credit bureaus ( Experian, XXXX XXXX XXXX  ), the reported XXXX XXXX accounts remain unresolved, and no proper validation has been provided. 

Additionally, I am a victim of the XXXX data breach. As a result, I believe this breach may have contributed to inaccuracies and unverified information on my credit report. I hold XXXX, along with the other credit bureaus, accountable for failing to uphold the accuracy and security of my credit file as required by the Fair Credit Reporting Act ( FCRA ). 

Details of the Dispute I have disputed several XXXX XXXX XXXX XXXX XXXX accounts on my credit report with the following credit bureaus : Experian, XXXX XXXX XXXX The details of the disputed accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late payments Victim of the XXXX XXXX XXXX As a victim of the XXXX XXXX XXXX, my personal information was exposed to unauthorized access. This breach has heightened my concerns about the accuracy and security of the information contained in my credit report. XXXX negligence in protecting sensitive consumer data is directly tied to the potential inaccuracies in my report. 

This failure constitutes a breach of trust and a violation of my rights under Section 623 of the Fair Credit Reporting Act ( FCRA ), which requires the credit bureaus to maintain the accuracy and security of credit information. 

Demand for Validation and Supporting Case Law According to Section 611 of the FCRA, I have the right to request validation of these accounts. This includes : 1. Copies of loan agreements or contracts showing my responsibility for these debts. 
2. Proof of payment history, including detailed breakdowns of any late payments reported. 
3. Confirmation that Experian, XXXX, and XXXX contacted the current loan servicers ( XXXX XXXX XXXX XXXX XXXX to verify this information. 
4. For XXXX accounts : Proof of communication with XXXX showing their involvement as a loan servicer after their exit from federal loan servicing in XXXX. 

The failure to validate these accounts violates the FCRA and is a breach of consumer rights as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which holds that credit bureaus must conduct a reasonable investigation of disputed information beyond merely relying on the furnishers response. 

Notice of Intent to Litigate Should this matter remain unresolved, I will pursue legal action against the credit bureaus ( Experian, XXXX, XXXX ) and the furnishers of information for their failure to comply with FCRA requirements. This letter serves as formal notice of my intent to litigate should you fail to meet the statutory requirements under the FCRA. 
I am filing this complaint regarding inaccurate and unverified XXXX XXXX XXXX accounts on my credit report. The Consumer Financial Protection Bureau ( CFPB ) has previously filed a lawsuit against XXXX, alleging systemic failures in servicing XXXX XXXX. According to the CFPB, XXXX provided misleading information, mishandled payments, and steered borrowers into costly forbearance instead of income-driven repayment options. 

As part of a settlement, XXXX has been permanently banned from servicing federal XXXX XXXX  and its role as a servicer ended in XXXX. Despite this, the credit bureaus ( Experian, XXXX, and XXXX ) continue to report and claim verification of XXXXXXXX XXXX, which is both misleading and a violation of the Fair Credit Reporting Act ( FCRA ). 

Impact These inaccuracies have severely impacted my credit score, making it difficult for me to secure financial opportunities.

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