Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Re : Dispute Under FCRA Inaccurate XXXX Late Payment Reporting Creditor : XXXX / XXXX ( XXXX XXXX Loan Servicer ) Account Number : XXXX Disputed Item : Incorrect XXXX delinquency Requested Action : Removal of the late payment and correction of reporting To Whom It XXXX Concern, I am writing to dispute a XXXX past-due payment reported by Nelnet/Aidvantage. This entry is factually inaccurate and must be removed pursuant to the Fair Credit Reporting Act. I was never notified of any due date, payment schedule, or delinquency, and the reporting occurred while my loan was still in the consolidation process and during a period of severe mail-delivery disruptions beyond my control. 

XXXX. Consolidation Application Submitted XX/XX/year> I was told the consolidation would take XXXX  months. I was also told that once completed, I would receive a letter detailing my new interest rate and monthly payment. I never received this letter and therefore had no knowledge of any repayment schedule or due date. 

XXXX. XXXX Mail Delivery Failure Upon moving into my new home in XX/XX/year>, I learned I could not access my mailbox using the keys the previous owner provided. XXXX required a warranty deed and the purchase of a new key, with a waiting period of up to XXXX months. Additionally, the previous owners had an active forwarding order, and someone else filed an Others forwarding request, causing all mailincluding mineto be forwarded away. I received no mail from XXXX through late XXXX. 

XXXX. Incorrect Contact Information Maintained by XXXX XXXX had an incorrect phone number on file for me. My number begins with XXXX, but XXXX entered XXXX, so none of their calls reached me. I received no emails or notices of delinquency. I had signed up to be contacted by phone once consolidation was complete, but due to the incorrect phone number, I was never notified. 

XXXX. No Possible Way to Know a Payment Was Due Because I never received mail, never received calls, never received emails, and never received the consolidation-completion letter, I believed I was still in the consolidation process. I only discovered the delinquency when I received an alert from Experian, as I have credit freezes due to prior identity theft cases. 

XXXX. Good-Faith Payment History I have always maintained strong payment history and have consistently communicated with my loan servicers. Historically, XXXX has corrected and removed negative marks once hardship programs or corrections were processed. This inaccurate delinquency occurred solely due to circumstances outside of my control. 

Requested Action Under FCRA I respectfully request immediate removal of the XXXX late payment, correction of the account status to current, and removal of all negative reporting related to this event. This data is inaccurate, unverifiable under proper notice, and does not reflect my true payment behavior. 

Documentation Available Upon Request I can provide XXXX documentation, XXXX. Box confirmation, home ownership documents, identity documents, consolidation confirmation, and proof of incorrect contact information. 

Thank you for your prompt attention. Please send written confirmation once the correction has been made. 

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