Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint against Experian for failing to properly investigate and correct my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Despite providing clear evidence that my student loans were legally discharged under Borrower Defense due to misrepresentations made by XXXX  XXXX XXXX, Experian has continued to report these accounts with outstanding balances. 

This inaccurate reporting is a direct violation of federal law, as these loans no longer exist as legally enforceable debts. Experians refusal to correct these errors is severely impacting my credit and financial well-being. 

Disputed Student Loan Accounts : The following accounts, previously serviced by XXXX and the Department of Education XXXX should have been removed from my credit report entirely after my Borrower Defense discharge : XXXX XXXX  ( Multiple accounts reported as Paid, Closed instead of deleted ) Department of Education/XXXX  ( Incorrectly reporting a balance despite discharge ) I provided Experian with official documentation from the Department of Education confirming that my loans were discharged, yet Experian claims to have verified these accounts without providing any actual proof of verification. 

Experians FCRA Violations : 1. Failure to Remove Legally Discharged Debt ( 15 U.S.C. 1681i ) Under the FCRA, Experian is required to conduct a reasonable reinvestigation and delete any information that can not be verified.

My Borrower Defense discharge eliminates my liability for these loans, yet Experian continues to report them with incorrect status and balances.

Experian has not provided any supporting documentation proving these accounts are valid debts.

2. Failure to Properly Investigate My Dispute ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) I specifically requested Experians method of verification regarding the disputed student loans. However, Experian failed to provide any documentation from the Department of Education or XXXX, instead issuing a generic response stating that my dispute had been verified. 
How did Experian verify a legally canceled debt? 
Where is the documentation proving the Department of Education still considers these loans valid? 

This lack of transparency indicates that Experian did not conduct a proper investigation but instead relied on automated verification processes, failing to meet their legal obligation under the FCRA. 

Additional Issue : Unauthorized Credit Inquiries In addition to the student loan issue, I also dispute multiple unauthorized credit inquiries that Experian has failed to remove. I only authorized XXXX credit inquiry with XXXX XXXX for an auto loan, yet my report shows multiple XXXX XXXX inquiries on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XXXX of which were submitted by dealerships without my permission. 

Other unauthorized inquiries include : XXXX XXXX XXXX ( XX/XX/year>, XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX  ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) XXXX  via XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX  ( XX/XX/year> ) If Experian believes these inquiries were authorized, I request documented proof of my explicit consent for each disputed inquiry. If they can not provide such evidence, these inquiries must be removed immediately. 

Experians failure to comply with federal law is causing direct harm to my creditworthiness and financial standing. I request immediate action to correct these violations.

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