Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/year> Subject : Formal Dispute of Student Loan Reporting Request for Documentation and Investigation. 
To Whom It May Concern, I am submitting this formal dispute to the Consumer Financial Protection Bureau regarding the reporting of student loan accounts on my credit file by XXXX, Experian, and TransUnion. I am requesting a comprehensive investigation into the accuracy, legality, and compliance of the data furnished by the student loan servicers and lenders. Overview of Dispute : The student loan accounts currently appearing on my credit report contain information that I believe may be inaccurate, unverifiable, and potentially in violation of federal law, including the Fair Credit Reporting Act ( FCRA ) and the Family Educational Rights and Privacy Act ( FERPA ). To validate the legitimacy of these accounts and their continued reporting, I am formally requesting the following documentation from each credit bureau and the data furnishers involved : Requested Documentation : 1. Signed Master Promissory Note ( MPN ) : A legally binding agreement bearing my signature that authorizes the origination of the student loan ( s ) in question. 2. Chain of Custody Documentation : A complete record of how my loan data has been handled, transferred, and stored from origination to present, including any third-party involvement. 3. Proof of Legal Authority to Furnish Data : Documentation demonstrating that the loan servicer or lender has the legal right to report my educational loan information to consumer reporting agencies under federal law. 4. Full Ledger of Forbearance and Deferment History : A detailed account of all periods of forbearance, deferment, and repayment, including dates, status changes, and any interest accruals. 5. FERPA Compliance Review : An explanation of how my educational records and personally identifiable information were handled in accordance with FERPA, including whether proper consent was obtained prior to data sharing. Legal Concerns : Failure to provide the above documentation may constitute a violation of the FCRA, which requires that all information reported to consumer reporting agencies be accurate, complete, and verifiable. Additionally, if my educational records were shared without proper consent, this may represent a breach of FERPA protections. Requested Action : I respectfully request that the CFPB initiate a formal investigation into the reporting practices of the student loan servicers and the credit bureaus. If the requested documentation can not be produced, I ask that the disputed student loan accounts be deleted from my credit report immediately.. Please confirm receipt of this request and notify me of any updates or findings. Sincerely, XXXX 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