Consumer complaint received 2025-01-06 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: MA

Complaint narrative:
I got a credit report through Experian on XX/XX/XXXX. Immediately I noticed a student loan on my credit report that was marked as not paid off. I paid off all of my XXXX loans in XXXX, so this was confusing. 

This student loan on my credit report was through XXXX. This loan was transferred to XXXX in XXXX, where it was paid off in full in XXXX. The loan through XXXX is showing as " paid in full/account closed '' on the Experian credit report. However, the loan through XXXX is showing that the account is still open ( on the report ), but all payments have been paid on time. This is inaccurate, as that loan was transferred fully, and then paid off in full. 

I immediately filed a dispute with Experian on XX/XX/XXXX. They " updated '' my dispute on XX/XX/XXXX and did not change anything on the report. I filed another dispute, this time sharing a screenshot from my XXXX XXXX XXXX account, indicating that all student loans are paid off in full. 

This dispute was not updated by Experian until XX/XX/XXXX, and again, nothing changed on the credit report. On XX/XX/XXXX, I called Experian. They suggested I call XXXX to straighten it out. 

Thankfully, I was able to speak to someone at XXXX on XX/XX/XXXX. They indicated that they don't even have an account for me on file, as it was closed back in XXXX, and would have absolutely no way to report information about loans of mine to Experian. The representative said that if that if Experian had contacted them, they would've replied saying that there is no account under my name and SSN. They also indicated that they have no record of inquiries about my name or SSN, so Experian did not even call them or check with them at all. This representative offered to send me a document which showed all of my transactions with XXXX. 

The document was sent to me on XX/XX/XXXX, showing all of my transactions through XXXX. This document clearly showed that this student loan was transferred to XXXX on XX/XX/XXXX, and that my balance with XXXX was {$0.00} as of that day. 

This information was submitted to Experian with a new dispute on XX/XX/XXXX. 

On XX/XX/XXXX, I received a notice from Experian that they had finished my dispute. They marked the loan from XXXX as " Verified and accurate ''. This makes absolutely no sense, as the information I submitted to them clearly showed a balance of {$0.00} with XXXX. 

Out of curiosity, I did a credit check through XXXX and XXXX. Both of these agencies reported the account on XXXX as closed/paid in full, which is accurate. 

I do not believe that Experian is accurately or fairly looking at disputes. They are clearly not checking with the correct student loan agencies, nor are they doing their due diligence when receiving a dispute claim from consumers. The documentation I provided should be more than enough. And a phone call to XXXX XXXX by Experian would clear this all up quickly. 

I have seen numerous complaints about Experian about this exact issue from other student loan borrowers and consumers. It is unfair for my XXXX XXXX to be lowered due to Experian 's error. I have worked incredibly hard to completely pay off my debt, and it is infuriating that Experian is not reporting this accurately, and it XXXX affect me greatly in the future. Experian should be held accountable for how they are affecting consumers.

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 non-monetary relief