Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
In referfence to : XXXX previous complaint. 
If this is the incorrect way to do this, I apologize in advance. 
I have a complaint open with XXXX but the Experian portion of the complaint has closed. 
I need to say that there is absolutely NO WAY Experian verified student loan payment information with anyone. 
I just received a letter from the collection agency XXXX XXXX XXXX XXXX for Debt Collections System. 
For Payment/Financial History : It says Net Adjusted Transactions : {$0.00} Net Other Transactions : {$18000.00} Net Total Transactions : {$18000.00} I called and spoke with XXXX ( Direct Line XXXX ) from XXXX XXXX XXXX and she told me that she doesn't see that any payments were made on my student loans. 
That is what the Net Adjusted Transactions {$0.00} means. 
I previously sent Experian screenshots of all my student loans that I got from NSLDS.gov 's website and EACH loan says : Cumulative payment amount : {$0.00} Meaning, no payments were made. 
NSLDS is part of the Department of Education, who is my original creditor for student loans, and they say no payments were made and so does the collection agency. 
Even though I uploaded documentation to Experian to prove that no payments were made they are still insisting that a last payment was made XX/XX/XXXX because XXXX said so. Now Experian stated that XXXX isn't listed on their credit report, which is true. But that XX/XX/XXXX date is the date Experian is using to keep these student loans on my credit report, so it does matter. 
XXXX has no documents. I already asked them. They told me to ask the collection agency. I'm sure if Experian had contacted XXXX, that they would have sent them to the collection agency as well. If Experian had contacted the Department of Education, they would have confirmed no payments were made and same if they contacted the collection agency. It is clear to me that they did not speak to anyone. 
My loans went " In Repayment '' status in XXXX XXXX. Since no payments were made that would make the Date of First Delinquency XXXX XXXX, making these too old to be on my credit report as I keep saying. 
The collection agency representative tried telling me that since it is a federal loan it can stay on my credit report indefinitely. 
This is NOT a Perkins loan and negative information will fall off my credit report after 7 years. That is why all credit bureaus have a Date of First Delinquency and a fall-off date listed. 
The collection agent had no reply to that. 
I don't see how hard evidence is not enough for Experian or the other credit bureaus to delete these loans from my credit reports. 
I have sent enough proof that they are too old, yet it comes back as verified as correct?

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