Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Experian, XXXX XXXX and XXXX : XXXX XXXX XXXX, XXXX XXXX TX XXXX : XXXX XXXX XXXX, XXXX XXXX GA XXXX : XXXX XXXX XXXX, XXXX XXXX PA XXXX Subject : Dispute of Incorrect Student Loan Reporting Under FCRA & HEA To Whom It May Concern, I am writing to formally dispute the inaccurate information on my credit report regarding a student loan account that has been incorrectly reported as late/missed/placed in collections. According to my records, all my student loans were in good standing and were paused due to the federal student loan forbearance program implemented under the XXXX Administrations relief measures. 

Account Details : XXXX XXXX Name : XXXX of XXXX Account XXXX : XXXX Type of Loan : [ Federal Student Loan / Private Student Loan ] Date of Reported Late Payment : XX/XX/XXXX Legal Violations : Violation of the Higher Education Act ( HEA ) 20 U.S.C. 1087e ( f ) : This law states that federally paused student loans should not have been reported as late or delinquent during the forbearance period. 

If my loan was covered under this program, then any negative report is a clear violation of federal protections and must be removed immediately. 

Violation of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX ( a ) : Loan servicers and credit bureaus are required to report only accurate and verifiable information. 

Because my loan was paused under federal relief, any late payment reporting is factually incorrect and must be corrected or deleted. 

Failure to XXXX Proper Investigation XXXX XXXX. XXXX ( a ) ( XXXX ) : If the information can not be verified, it must be removed from my credit report. 

Requested Resolution : Given the federal laws protecting my student loan from improper reporting, I demand the following actions : XXXX deletion of the incorrect late payment or derogatory account information from my credit report. 

Written confirmation that the disputed account has been corrected or removed. 

Reissuance of my corrected credit report showing the removal of the negative mark. 

Supporting Documents Enclosed : Copy of my credit report with the incorrect account highlighted Copy of any loan statements or correspondence proving my loan was in forbearance Copy of XXXX XXXX loan pause policy for reference Please consider this letter as a formal dispute under the FCRA. I expect a response within 30 days, as required by law. Failure to correct this inaccurate reporting XXXX result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or legal action for damages caused by this erroneous report. 

Thank you for your prompt attention to this matter. Please provide a written response confirming the resolution. 

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