Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXXXXXX/2025 XXXX  XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Experian XXXX XXXX XXXX XXXX TX XXXX Subject : Dispute of Incorrect Credit Reporting and Request for Immediate Investigation To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report as it pertains to student loan accounts serviced by XXXX and XXXX Education. Upon reviewing my credit report, I have found several errors related to the reporting of late payments on my student loans, which have had a severe and unjustified impact on my credit score. Specifically, my credit score has dropped by over XXXX points on XXXX and over XXXX points on XXXX. 

Disputed Accounts and Violations : Failure to Notify of Late Payments : The Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) mandates that a consumer must be notified in advance of any delinquency and given sufficient time to remedy the issue before it is reported to credit bureaus. I was never properly notified of any late payments prior to them being reported, in violation of my rights under the FCRA. 

Inaccurate Reporting of Late Payments : The Truth in Lending Act ( TILA, 15 U.S.C. 1666b ) requires accurate and timely reporting of all payment information, including the obligation for loan servicers to notify borrowers before reporting delinquencies. XXXX and XXXX Education have failed to comply with these requirements, as I was not given any advance notice, and I believe the reported late payments are inaccurate or incorrectly timed. 

Failure to Provide Documentation : Despite numerous requests, I have been unable to obtain a signed Master Promissory Note ( MPN ) for the loan ( s ), which calls into question the validity of the loan and any reported late payments. Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I am entitled to request proof of the debt, which I have not received. 

Request for Immediate Action : Given the nature of these violations and the substantial damage they have caused to my credit score, I respectfully request that you : Conduct a thorough investigation of the student loan reporting by XXXX and XXXX Education. 
Correct my credit report by removing the inaccurate late payment entries and restoring my credit score to its rightful position. 
Provide written confirmation of the results of your investigation and any actions taken to correct the errors on my credit report. 
I am entitled to an accurate credit report under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), and I expect the necessary corrections to be made without delay. Please advise me in writing of your decision and any steps you will take to rectify this issue. If the errors are not corrected or if I do not receive a response within 30 days ( as required by the FCRA ), I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Texas Attorney Generals Office, and consider legal action. 

Thank you for your prompt attention to this serious matter. I look forward to your immediate action in investigating and correcting these inaccuracies. 

Sincerely, [ 5129 ]

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