Consumer complaint received 2026-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Formal Complaint Against XXXX XXXX XXXX for Fraudulent Loan Servicing Practices DATE : XX/XX/XXXX To Whom It May Concern : I am writing to file a formal complaint against XXXX XXXX XXXX ( " XXXX '' ) for fraudulent, deceptive, and unlawful practices in connection with the servicing of my federal student loans, in violation of the Consumer Financial Protection Act of 2010, 12 U.S.C. 5531, and the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. FACTUAL BACKGROUND Complete Satisfaction of Obligation : My federal student loans were paid in full as of XX/XX/XXXX. I possess documentary proof of said payment, and the U.S. Department of Education 's Federal Student Aid records confirm my loan balance is XXXX. Fraudulent Re-Aging and False Certification : Notwithstanding the foregoing, XXXX has fraudulently represented that I " consolidated '' my loansa transaction that is factually impossible as the underlying obligations had been extinguished. XXXX has thereby created the false impression of an active debtor-creditor relationship where none exists. Pattern of Misconduct : This conduct is consistent with a broader pattern of behavior by XXXX, which has been the subject of multiple lawsuits alleging fraudulent servicing practices, including XXXX, et al. v. XXXX XXXX, XXXX, XXXX. XXXX ( D. XXXX. ), and consumer complaints documenting systemic failures in payment processing and customer service. LEGAL VIOLATIONS XXXX 's actions constitute : A. Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) : By reporting false consolidation information to credit reporting agencies without conducting a reasonable investigation after notice of dispute. B. Violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ) : Using false, deceptive, and misleading representations in connection with the collection of a debtspecifically, representing that a debt exists when my loan obligation has been legally satisfied. C. Common Law Fraud and Negligent Misrepresentation : Knowingly making false statements regarding the status of my loans upon which reliance was intended and has caused demonstrable harm. D. Potential False Claims Act Implications : As a participant in federal student loan programs, XXXX 's false certifications may constitute fraud against the United States government. See United States ex rel. Vigil v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). RELIEF REQUESTED Pursuant to 12 U.S.C. 5534, I request that the Bureau : Investigate XXXX 's fraudulent loan servicing practices ; Order Nelnet to immediately cease all collection activities and credit reporting related to these loans ; Require XXXX to provide written certification to all credit reporting agencies that the alleged debt is invalid and must be removed from my credit profile ; and Award such other relief as the Bureau deems just and proper. Respectfully submitted, XXXX XXXX XXXX XXXX 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