Consumer complaint received 2025-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date : XX/XX/year> To : Experian P.O. XXXX XXXX XXXX, TX XXXX RE : Formal Dispute Request for Immediate Deletion of Unverified Student Loan Accounts XXXX Accounts Ending in : XXXX and XXXX To Whom It May Concern, This letter is a formal notice under the Fair Credit Reporting Act ( FCRA ), XXXXXXXX XXXX  XXXX et seq. I am disputing the accuracy and completeness of XXXX student loan accounts furnished by XXXX, currently reporting on my Experian credit file. 

XXXX. Failure to Provide Verification Master Promissory Note ( MPN ) Under XXXX XXXX XXXXXXXX ( a ) ( XXXX ) ( A ), you are legally required to conduct a reasonable reinvestigation of any disputed item. Moreover, XXXX XXXX. XXXX ( b ) mandates that Experian ensure the maximum possible accuracy of all reported data. 
I requested proof of a valid, enforceable debtspecifically, the original wet-ink signed Master Promissory Note ( XXXX ) yet none has been provided. Instead, I received a generic notice in XX/XX/year> stating the item was updated from our processing of your dispute, without any supporting documentation. This is not sufficient under federal evidentiary standards. 
Electronic summaries or database entries are not acceptable forms of validation in a legal dispute. Without the original signed contract, there is no legal basis for reporting this debt. 
Demand : Delete the XXXX accounts ending in XXXX and XXXX immediately due to lack of verification and failure to meet the FCRAs accuracy standards. 


XXXX. Failure to Accurately Report Current Loan Status Forbearance or Federal Hold Pursuant to XXXX XXXX. XXXX ( b ), data furnishers must investigate disputed information and delete or correct anything that is inaccurate or unverifiable. 
Reporting a loan as delinquent, late, or in default while under any federally mandated pause is a willful act of misreporting and a clear violation of your obligations under the FCRA. 
Demand : Since the status can not be substantiated with proper documentation, remove the accounts immediately. 

XXXX. Non-Compliance with XXXX XXXX XXXX Reporting Standards Experian, as a subscriber to XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX standards, is obligated to ensure that all credit information is complete, accurate, and up-to-date. 
Any account reported without contractual proof or under an unverified administrative hold violates the XXXX XXXX and XXXX data integrity standards. 
Demand : Remove these XXXX accounts for noncompliance with XXXX XXXX formatting guidelines and failure to report accurate and complete data. 

XXXX. Experian Failed to Conduct a Reasonable Reinvestigation Despite my prior dispute, Experian failed to provide any actual validation of the debt. Instead, I received a vague response stating the items were updated, with no supporting evidence or documentationa clear violation of XXXX XXXX. XXXX. XXXX refusal to verify with the original signed MPN constitutes a failure to conduct a reasonable reinvestigation. 
Additionally, by continuing to report unverifiable and inaccurately characterized information, Experian is in breach of XXXX XXXX. XXXX ( b ) and may be subject to civil liability under XXXX XXXX. XXXX and XXXX for willful or negligent noncompliance. 

Formal Request & Final Warning You are hereby notified that if Experian can not produce the original, wet-ink signed Master Promissory Note, and validate the status of the referenced student loans per the FCRA and XXXX XXXX XXXX, then : The accounts must be deleted immediately. 
Failure to comply within XXXX days will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and potential civil litigation. 

Accounts to be Deleted Aidvantage / Account Number Ending in XXXX Aidvantage / Account Number Ending in XXXX I expect written confirmation from Experian of the deletion of these accounts within the XXXX window as required by law. 

Sincerely, 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