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, Florida, XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against US Department of Education for Inaccurate Reporting of Late Payments on Student Loan Account To Whom It May Concern, This complaint is filed regarding the inaccurate reporting of late payments on my student loan account by the US Department of Education ( US DEPT ED ) across the three major credit bureaus ( XXXX, Experian, and XXXX ) XXXX This is the second formal dispute, as my first dispute, filed on XX/XX/XXXX, failed to yield any corrective action. 
Summary of Errors : Different Account Numbers : The account numbers reported by XXXX and Experian do not match, causing further inconsistencies. 
Inconsistent Account Rating : XXXX reports the account as " Closed, '' while Experian lists it as " Paid. '' Missing Closing Date : Experian has not provided a closing date for the account, making it unclear when the account was finalized. 
Inconsistent Creditor Remarks : XXXX includes remarks indicating the account is " Closed, '' while Experian does not provide any such remarks, adding to the lack of clarity and accuracy. 
These discrepancies, along with the erroneous late payment entries, highlight a significant failure to ensure accurate reporting and adherence to federal regulations. 
Evidence of Error : The reported late payments on this account for the following months are inaccurate and unsupported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These payments were either made on time or the account was in deferment during these periods, as documented by my records from the US Department of Education. Despite submitting evidence of deferment status and timely payments in my first dispute, the inaccuracies remain uncorrected. 
Violations of My Consumer Rights : 1. Unauthorized Reporting and Privacy Violation : Under 15 USC 1681b, I retain the right to privacy regarding my financial information. The US Department of Educations reporting of this account without a permissible purpose is a violation of my rights. Furthermore, 15 USC 6801 mandates the protection of my personal financial data, which has been breached by reporting erroneous late payments.

2. Willful Noncompliance : The failure to correct these inaccuracies despite documented proof provided in my first dispute constitutes willful noncompliance under 15 USC 1681n, entitling me to damages.

3. Defamation and Emotional Distress : The erroneous reporting has caused significant harm to my reputation and mental well-being, amounting to defamation.

Requested Action : I request the immediate correction of the following : Removal of all late payments reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Updates to reflect the accurate deferment status during these periods. 
Written confirmation that these corrections have been made. 
Failure to resolve this issue within 10 calendar days will result in further escalation, including potential legal action and additional complaints to relevant authorities. 
Thank you for your attention to this matter. 
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