Consumer complaint received 2025-02-02 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: NY

Complaint narrative:
Request for Deletion of Inaccurate XXXX Account To Whom It May Concern, I am filing a formal complaint regarding an inaccurately reported FEDLOAN account on my credit file. The information being reported is inconsistent, incorrect, and unfairly damaging my credit score. Despite previous disputes with the credit bureaus and the loan servicer, the inaccuracies remain, warranting a full deletion of the account. 

Details of the Inaccurate Account : Creditor Name : XXXX ( Transferred to XXXX ) Account Number : XXXX Issue : Inconsistent and inaccurate reporting Credit Bureaus Affected : TransUnion , Experian, Equifax XXXX Opened : XX/XX/XXXX ( varies across bureaus ) Status : Closed/Transferred, yet still reporting late payments Reason for Full Deletion : XXXX Inconsistent Reporting Across Credit Bureaus : The dates, balances, and payment statuses do not match between TransUnion, Experian , and Equifax.

TransUnion reports a XXXX late payment on XX/XX/XXXX, while Experian reports it as XX/XX/XXXX a three-year difference, proving inaccuracy. 
XXXX The Account Was Transferred, Not XXXX : XXXX no longer owns the loan, yet late payments are still being reported. 
Once an account is transferred, it should no longer report any negative activity under the previous servicer. 
The continued reporting violates the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c ) regarding outdated and misleading information. 
XXXX Potential Duplicate Reporting : The same XXXX account appears multiple times under different servicers, creating duplicate negative marks on my credit file. 
This artificially lowers my score and violates fair reporting standards. 
XXXX The Account Can not Be Verified & Must Be Deleted : Since XXXX is no longer servicing federal loans, it can not verify this account per FCRA regulations. 
If the information can not be verified, the credit bureaus are legally required to delete the account from my report. 
Legal Precedent for Account Removal : The continued reporting of this XXXX account is inaccurate, misleading, and a violation of my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ( a ) ). 

In White v. Experian ( XXXX ), the court ruled that if an account can not be verified, it must be deleted. Since XXXX no longer services federal loans, it is legally unable to verify this account, requiring its removal. 

Furthermore, in Hogue v. Sallie Mae ( 2018 ), the court determined that student loan servicers can not continue to report negative information after a loan is transferred. My XXXX account was transferred to XXXX, yet it is still reporting XXXX late payments, which is both inaccurate and misleading. 

Based on these legal precedents, I am formally requesting the immediate removal of this account from my credit report. Failure to correct this inaccuracy may result in further legal action. 

Requested Resolution : Permanent deletion of the entire XXXX account from my credit report. 
Correction of any duplicate student loan accounts impacting my credit. 
Immediate compliance with the FCRA to ensure fair and accurate reporting. 

Supporting Documents Attached : Credit reports showing inconsistencies. 
Loan transfer documents proving the account is no longer valid. 
Any correspondence from loan servicers confirming the transfer. 

This inaccurate reporting is significantly harming my ability to obtain credit. I expect this matter to be fully resolved as soon as possible. If this issue is not corrected, I am prepared to escalate further. 

Thank you for your prompt attention to this dispute.

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