Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
Subject : Formal Borrower Defense to Repayment Dispute & Request for Full Loan Discharge I am writing to formally dispute the federal student loans I took out to attend XXXX XXXXXXXX XXXX XXXX XXXX. I am requesting full loan discharge under the Borrower Defense to Repayment regulations due to serious and substantiated misrepresentations made by the school that influenced my decision to enroll and borrow. 

Basis for Dispute and Legal Grounds : 1. Substantial Misrepresentation About Career Outcomes XXXX XXXX falsely represented job placement and employability outcomes to me and other students. I was told that employers were always hiring our students, and that I would have immediate job opportunities either upon graduation or even while still enrolled. This was a major deciding factor in my enrollment and acceptance of federal financial aid. 

In reality, those claims were false. I, along with many of my peers, was unable to secure employment in my field of study. Employers did not recognize XXXX XXXX credentials or programs, and the school failed to provide meaningful job support or employer referrals as promised.

These actions violate : 34 CFR 685.206 ( e ) Borrower Defense : False, misleading, or aggressive misrepresentation 34 CFR 668.
71668.75 Misrepresentation about employability, program quality, and career outcomes 20 U.S.C. 1087e ( h ) Entitlement to discharge if school misconduct occurs 2. Aggressive and Deceptive Recruitment Practices I was subjected to high-pressure recruitment tactics that took advantage of my lack of understanding about higher education and student loans. XXXX XXXX staff repeatedly contacted me after I expressed hesitation and pushed me to enroll immediately, without allowing time for full consideration.

These practices violate : 34 CFR 668.71 ( c ) Misleading conduct or statements during recruitment 34 CFR 668.72 Misrepresentation regarding the nature of educational programs Federal Trade Commission Act 5 Prohibiting deceptive practices in commerce Resulting Harm These misrepresentations and pressure tactics caused me to take out federal loans I would not have borrowed had I been given honest, transparent information. As a result, Ive experienced : Financial hardship and long-term debt Emotional distress and loss of time and opportunity Lack of employment and industry recognition Zero return on educational investment My Legal Rights I am asserting my rights under : 34 CFR 685.206 ( e ) Borrower Defense Loan Discharge 20 U.S.C. 1087e ( h ) Statutory right to relief based on institutional misconduct FCRA, FDCPA, Privacy Act of XXXX, and SCRA Regarding false credit reporting, military protections, and identity safeguards Formal Request I respectfully request : Immediate and full discharge of all federal student loans incurred while attending XXXX XXXXXXXX XXXX XXXX XXXX 

Removal of any negative credit entries linked to these loans from all consumer reporting agencies. 

Written confirmation of all actions taken in accordance with federal law. 

If this dispute is not resolved promptly and in full compliance with the statutes above, I reserve the right to escalate this case to the XXXXXXXX XXXX XXXX XXXX, Federal Trade Commission, XXXX  Attorney General, and, if necessary, seek private legal counsel for full restitution and relief.

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