Consumer complaint received 2025-05-17 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: TN

Complaint narrative:
I, XXXX XXXX, am writing to formally request a thorough investigative review for the purpose of a discharge. Im requesting a discharge of my federal unsubsidized & subsidized student loans because Id also like to dispute the validity of XXXX XXXX XXXX XXXX certification based on false eligibility. 
At the moment of XXXX XXXX XXXX XXXX registration or enrollment in the Accounting XXXX XXXX program in the XXXX  of XXXX. I had XXXX XXXX XXXX XXXX XXXX from XXXX, WI. I explained my previous charges to the XXXX XXXX XXXX staff upon registration. By the end of the XXXX  XXXX semester, I was notified by a math instructor at XXXX XXXX XXXX XXXX that I wouldn't be eligible to obtain a state license for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I received federal student aid at XXXX XXXX XXXX XXXX for Fall XXXX & XXXX XXXX, under the belief that I would be eligible to work in the XXXX XXXX XXXX XXXX 
However, at the time of enrollment & disbursement of loans, I had XXXXXXXX XXXX XXXX XXXX XXXX  in the state of Wisconsin. These are XXXX  from XXXX, which legally disqualify me from obtaining licensure or employment in the XXXX XXXX The XXXX XXXX XXXX occurred in XXXX while briefly residing in XXXX, Wisconsin. 
Charge XXXX : Uttering a forgery and misappropriating another 's identity are serious crimes. Uttering a forgery ( XXXX of Wisconsin Statutes ) involves presenting a false or altered document as genuine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Misappropriating someone's identity ( XXXX of Wisconsin Statutes ) involves using, attempting to use, or possessing with intent to use another person 's identifying information without their authorization and by representing oneself as that person. Both offenses are XXXX XXXX XXXX, punishable by up to XXXX years in XXXX and a {$10000.00} fine. State of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After reviewing the details of my student loan ( s ), Direct Loan Consolidated Subsidized # XXXX : XXXX Direct Loan Consolidated Unsubsidized # XXXX : {$12000.00} Direct Loan Consolidated Total : {$17000.00} I believe that I am eligible for a full or partial discharge based on the following grounds : False Certification : The school falsely certified my eligibility for federal student aid, including situations where I was not qualified due to ability to benefit, identity theft, or other violations. 
Borrower Defense to Repayment : I was misled or defrauded by the school regarding the nature of the educational program, job placement rates, or credit transferability.

Unpaid Refund Discharge : I withdrew from the school, and the school failed to return funds to the loan servicer as required by federal regulations. 
Ive also attached relevant Wisconsin Statutes and Administrative Codes associated with Certified Public Accountant. The U.S. Department of Education states that a borrower may qualify for a False Certification ( Disqualifying Status ) Discharge if the school certified eligibility for federal student loans even though the borrower had a disqualifying condition ; such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
At the time of loan certification, I had XXXXXXXX XXXX XXXX XXXX XXXX  that would prevent me from receiving an XXXX XXXX from the Wisconsin XXXX XXXX. This is due to the XXXXXXXX XXXX XXXX being directly or indirectly associated with fraud or identity theft. I now understand that my previous charges would absolutely prevent me from working in the XXXX XXXX XXXX career field, whether it be the private, public or government sectors. 
I assert that XXXX XXXX XXXX XXXX either failed to properly assess or ignored my disqualification under Wisconsin law when certifying my eligibility for federal aid and admitting me to the program. As a result, I incurred debt for partial education / training that wasnt completed & cant be used for gainful employment in the XXXXXXXX XXXX XXXX 
This discharge request falls under the False Certification ( Disqualifying Status ) Discharge category as outlined by the U.S. Department of Education. Specifically, XXXX XXXX XXXX XXXX certified my eligibility for federal loans despite my XXXX XXXX XXXX  legally barring me from working in the XXXXXXXX XXXX 
After reviewing the details of my student loan ( s ), I believe that I may be eligible for a full or partial discharge based on the following grounds : Under the Wisconsin Administrative Code Accy 1.401 ( 2 ) ( e ), XXXX XXXX XXXX  that substantially relates to the XXXX XXXX  constitutes an act discreditable to the profession, warranting charges by the XXXX XXXX XXXX in every such case. 
In addition, Wisconsin Statute 111.335 ( 3 ) ( a ) authorizes licensing agencies to deny licensure to individuals with XXXX  that substantially relate to the professional duties of an accountant.

The Wisconsin Department of Safety and Professional Services ( DSPS ) reinforces this in its published policies, stating that individuals with XXXX XXXX may be refused licensure if the XXXX  is determined to substantially relate to the licensed activity. As such, my conviction status made me legally ineligible for employment in accounting before, during, and after my education, thereby invalidating the school 's certification of loan eligibility for a field I could not lawfully enter. 
I am requesting the following actions : A full discharge of my Direct Loan Consolidated federal student loans based on the false certification of eligibility. XXXX review and initiation of a discharge under the False Certification ( Disqualifying Status ) category. 
Suspension of all collections activity, collections reporting, interest accrual & negative credit reporting associated with these disputed loans during the review process or pending investigation. 
Written confirmation that this request has been received, along with any guidance on additional steps, forms or documentation required. 
Attached are supporting documents that substantiate my claim, including XXXX, WI court documents as well as XXXX XXXX XXXX transcripts. 
Excerpts from relevant Wisconsin Statutes, Wisconsin Administrative Codes & DSPS policy guidelines regarding licensure disqualification.

Documentation from the Wisconsin XXXX XXXX XXXX or DSPS indicating the impact of XXXX XXXX on licensure eligibility. 
A copy of my Wisconsin criminal background record indicating XXXXXXXX XXXX XXXX XXXX XXXX. Copies of my Wisconsin criminal record showing the XXXX XXXX XXXX XXXX Certified copies of your criminal record. Wisconsin Legislature Document Services Any correspondence from the school or other supporting materials. 
XXXX XXXX XXXX XXXX XXXX regarding my eligibility for the XXXX XXXX XXXX XXXX XXXX XXXX brochures or school correspondence. 
Therefore, XXXX XXXX XXXX XXXX certification of XXXX XXXX eligibility for federal student aid, despite these disqualifying convictions, constitutes false certification. 

In conclusion, the worst part of this ordeal is that today I could apply online, get approved to register as well as receive federal funding to enroll in XXXX at XXXX XXXX XXXX XXXX. Without any preventative measures or analytics performed to determine if this career path & financial obligation is appropriate for someone like myself. 

An education establishment such as XXXX XXXX should be required by the federal government to follow ethical registration practices or procedures to ensure potential / current students arent blindly walking into thousands of dollars of debt. Ultimately, preventing this from happening to any other students moving forward. 
Im requesting that your offices begin an immediate investigation into my request/ complaint surrounding this matter, the credit bureau reporting collections, the incurred interest along with the reporting activities on the previously mentioned disputed student loans be suspended during the U.S. Department of Education, Federal Trade Commission, Consumer Financial Protection Bureau & XXXX investigation process, as per federal guidelines. 
Please confirm receipt of this letter & provide information regarding the next steps in the discharge process. If further documentation or forms are needed, kindly inform me at your earliest convenience. 
I appreciate your attention to this matter & respectfully request prompt consideration along with a thorough review of my discharge request application. 
Sincerely, 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