Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against US Department of Education for Reporting Inaccurate Late Payments on XXXX XXXX To Whom It May Concern, This complaint is filed in regard to the unlawful and inaccurate reporting practices by the US Department of Education ( US DEPT ED ) on my consumer credit report, specifically involving my XXXX XXXX accounts. Despite my initial dispute filed on XXXX, the inaccuracies remain unresolved, causing continued harm and distress. 
The following violations have occurred in relation to this reporting : 1. Inaccurate Reporting of Late Payments : The XXXX XXXX accounts were incorrectly reported with late payments during a period when the accounts were in deferment status, as documented and verified by the US Department of Education ( documentation available upon request ). The accounts should reflect a current status with no late payments. Specifically, the following dates have been inaccurately reported as late payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation of Privacy and Unauthorized Reporting Under 15 USC 1681b, I retain the right to privacy regarding my personal financial information. Reporting these accounts with incorrect late payments without my consent constitutes a violation of my rights.

3. Failure to Maintain Accurate Reporting Under 15 USC 1681e ( b ), credit reporting agencies are required to maintain accurate and complete consumer files. By continuing to report these inaccuracies after my first dispute, the credit bureaus have failed in their obligations.

Summary of Errors and Discrepancies : The errors include late payments being reported for months when the accounts were in deferment. Specifically, there are instances of 90- and 120-day late payments listed on my credit reports for XXXX and Experian XXXX despite the loans being in deferment as verified by the US Department of Education . These discrepancies have severely impacted my credit score and financial reputation.

Requested Action : Given the severity of these violations and the documented deferment status of my loans, I am formally requesting the immediate correction of these accounts from my consumer reports within 10 calendar days from the receipt of this complaint. The requested corrections include removing all late payments and ensuring the accounts reflect a current status with no delinquencies. Failure to resolve this matter will result in further escalation. 
These inaccuracies have caused significant emotional distress and damage to my creditworthiness. I demand immediate corrective action to prevent further harm. I am prepared to provide additional documentation if needed. 
Sincerely, 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