Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To : XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Formal Dispute of Student Loan Debt under the Fair Credit Reporting Act ( FCRA ), Higher Education Act, and Debt Collection Statutes Account Numbers ( Partial ) : [ Insert last XXXX digits of all Aidvantage accounts from report ] To Whom It May Concern, This letter is a formal dispute of the student loan accounts currently being reported under your servicing on behalf of the U.S. Department of Education . Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Higher Education Act ( 20 U.S.C. 1087cc ( c ) ), and applicable consumer protection laws, I demand immediate verification of the debts in question or their full removal from credit reporting and collection activity. 


DISPUTED ISSUES Your office is reporting multiple student loan accounts under my name, originally issued by or transferred to the U.S. Department of Education. I am challenging the validity, ownership, and reporting accuracy of each of these accounts due to the following critical deficiencies : 1. Absence of Original Signed Documentation I have never been provided a copy of the original signed Master Promissory Note ( MPN ) for any of these loans.

The MPN is the foundational legal contract proving the existence, amount, and terms of the alleged obligation. Without it, there is no enforceable debt. 
2. Lack of Proper Notice of Servicing Transfers No documentation has been provided showing formal transfer notices between any prior servicers and Aidvantage, as required under 20 U.S.C. 1087cc ( c ) and ED servicing standards.

3. Discrepancies and Duplicate Reporting On my credit reports, several Aidvantage entries are duplicative or reflect inconsistent balances, payment statuses, and open dates. This violates Metro 2 Format and CDIA Guidelines, and is causing material harm to my credit profile.

4. Failure to Provide Debt Validation I request full validation of each debt under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) if you or your agents are pursuing collection.

You are required to provide the full account history, payment ledger, original agreement, interest calculations, and any default notices sent.

LEGAL REFERENCES 15 U.S.C. 1681e ( b ) All information furnished to credit reporting agencies must be accurate and verifiable.

15 U.S.C. 1681i ( a ) Upon dispute, all unverifiable information must be deleted.

15 U.S.C. 1692g ( b ) Debt collectors must cease collection and provide validation upon written request.

20 U.S.C. 1087cc ( c ) Requires written notification when a loan is transferred to a new servicer.

DEMAND FOR ACTION Accordingly, I demand the following : 1. Immediately provide a copy of the original signed MPN ( s ) for each account you claim to service on my behalf.

2. Furnish documentation of all servicing transfers, including dates, prior servicers, and borrower notification proof.

3. Cease all credit reporting and collection activity until proper validation is provided.

4. Correct or remove any duplicate, inaccurate, or incomplete entries being reported to the credit bureaus. 
If you can not comply with these demands within XXXX days, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the XXXX XXXX XXXX XXXX Ombudsman, and explore legal action under 15 U.S.C. 1681n/o for negligent or willful noncompliance. 


Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Formal Credit Report Dispute under FCRA, Metro 2, and CDIA Guidelines Subject : Experian Credit Report Report Date : [ Insert Report Date from IdentityIQ ] Dear Experian Dispute Department, This correspondence serves as a formal dispute of multiple inaccurate and unverifiable entries contained in my Experian credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and reinforced by XXXX XXXX XXXX and XXXX XXXX, you are legally obligated to investigate and correct or delete all information that can not be verified as accurate, complete, and properly reported. 


SECTION 1 : Personal Information Discrepancies Issue : The report includes incorrect personal identifiers including outdated addresses and name variations that are not associated with my legal identity.

Items to be Deleted : Former Addresses : Delete all addresses except my current confirmed address : [ Insert Current Address ] Legal Basis : Under 15 U.S.C. 1681e ( b ) and 1681g ( a ), Experian must ensure the information reported is accurate and pertains solely to the consumer. Retaining false identifiers violates federal law and creates identity confusion. 

Demand : Immediately delete any erroneous personal information not reflecting my current identity. 


SECTION 2 : Unauthorized or Inaccurate Inquiries Creditor Name : CAPITAL ONE NA Inquiry Date : XX/XX/XXXX Issue : This hard inquiry was not authorized by me in writing. I did not submit an application that would grant this entity access to my credit file. 

Legal Basis : Under 15 U.S.C. 1681b ( c ), a permissible purpose must be present, and no such authorization exists in this case.

Demand : Remove this inquiry immediately as it was made without my express consent and lacks permissible purpose.

SECTION 3 : Negative Account Reporting Charge-Offs & Collections 1. Account Name : XXXX XXXX XXXX Partial Account # : Issue : This debt is unverifiable. I demand validation including the original creditor agreement, chain of title, and full billing history. XXXX has not satisfied these conditions. 

Legal Basis : XXXX XXXX XXXX. XXXX, credit reporting agencies must delete or correct information if it can not be verified. Also, per XXXX ( b ), data furnishers must investigate disputes thoroughly. Robo-verifications and e-OSCAR responses do not meet compliance standards. The CFPB has documented this abuse in regulatory actions. 

Demand : Delete this account from my credit report if proper documentation is not submitted during the reinvestigation process. 


2. Account Name : XXXX XXXX XXXX XXXX Partial Account # : Issue : This is a third-party collection with no supporting documentation validating the debt. XXXX has a known history of sham verification practices. 

Legal Basis : Under 15 U.S.C. 1692g and 1681i, the burden lies on the data furnisher and credit bureau to provide sufficient documentation. No such verification has been produced. Without it, continued reporting is a violation of the FCRA and FDCPA.

Demand : Delete this account unless complete validation is provided, including original contract, itemized statements, and proof of assignment. 


SECTION XXXX : XXXX XXXX XXXX XXXX XXXX XXXX. of Education Loan Servicer : XXXX Partial Account # : Issue : These accounts are disputed on the basis of inaccurate reporting and unverifiable origin. I request validation of the debt, including a signed Master Promissory Note ( MPN ), chain of assignment, and compliance with 20 U.S.C. 1087cc ( c ) which governs loan servicing transfers.

Additionally, these loans appear under multiple listings with inconsistent status and balance information. This duplicative and inconsistent reporting damages my score and violates Metro 2 formatting guidelines.

Legal Basis : Under 15 U.S.C. 1681e ( b ) and 1681i, information must be accurate and verifiable. Also, under Metro 2, loan servicers are required to furnish accurate coding, dates, and balances. 

Demand : Provide the original signed Master Promissory Note for each loan account Provide documentation proving a valid transfer of servicing rights Delete all entries if these can not be provided within XXXX  days as required under the FCRA SECTION 5 : Public Record Dispute Bankruptcy ( If applicable ) If your report contains a bankruptcy : Public Record : XXXX XXXX Bankruptcy Court : [ Insert if available ] Issue : This record is being reported without direct verification from the court, which does not report such data to Experian or any CRA. You are therefore relying on unreliable third-party sources such as XXXX or XXXX. 

Legal Basis : According to XXXX v. Experian, reliance on third-party sources without court confirmation fails the verification requirement under 1681i ( a ) ( 1 ) ( A ).

Demand : Delete this bankruptcy from my report as it is unverifiable through appropriate legal channels.

Final Notice : You are required to conduct a reasonable reinvestigation under 15 U.S.C. 1681i and provide the results within 30 days. If you fail to verify the accuracy of the disputed information, you must delete the items under 1681i ( a ) ( 5 ) ( A ).

Any continued reporting of unverifiable or incorrect data after notice constitutes willful non-compliance and subjects you to liability under 1681n and 1681o.

TransUnion Consumer Solutions P.O. Box 2000 Chester, PA 19016 RE : Formal Credit Report Dispute under FCRA, Metro 2, and CDIA Guidelines Subject : TransUnion Credit Report Report Date : [ Use exact report date from IdentityIQ ] Dear TransUnion Dispute Department, I am formally disputing several inaccuracies and unverifiable entries on my TransUnion credit report as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and demand a full reinvestigation under 1681i. Furthermore, all data furnished to you must adhere to the Metro 2 Compliance Format and CDIA Reporting Guidelines. Failure to comply with accurate and complete reinvestigation responsibilities under federal law will result in formal regulatory escalation.

SECTION 1 : Personal Information Discrepancies Issue : My credit report reflects incorrect personal identifiers, including former names and outdated addresses.

Items to be Deleted : Previous Addresses : Remove all except current verified address : [ Insert Current Address ] Legal Basis : Under 15 U.S.C. 1681g ( a ) and 1681e ( b ), the credit reporting agency must maintain complete and accurate records. Retaining outdated or incorrect personal data misrepresents my identity and violates the law.

Demand : Immediately delete all incorrect personal identifiers and addresses that do not reflect my verified information.

SECTION 2 : Unauthorized or Inaccurate Inquiries Account Name : XXXX XXXX XXXX Date of Inquiry : 03/15/2024 Issue : This inquiry was not authorized by me in writing and I did not initiate any application with this entity.

Legal Basis : Under 15 U.S.C. 1681b ( c ), a hard inquiry must be authorized by the consumer or initiated via a permissible purpose. In absence of written consent or permissible purpose, this constitutes a violation of my rights. 

Demand : Remove this unauthorized hard inquiry from my credit file immediately. 


SECTION XXXX : Negative Accounts Charge-Offs & Collections XXXX. Account Name : XXXX XXXX XXXX Partial Account # : Issue : This debt is unverified and lacks original documentation from the original creditor. XXXX is a third-party debt buyer and has not furnished any validation of the account 's legitimacy.

Legal Basis : Under 15 U.S.C. 1681i and 1681s-2, credit bureaus must ensure that the data furnished is accurate and verifiable. Unverified data must be deleted. Furthermore, under Metro 2, data must be reported completely and accurately, including open/closed date matching, payment status, and consumer dispute codes. 

Demand : Delete this entry unless XXXX can provide documentation proving a valid chain of title, original creditor agreement, and full billing history. 


2. Account Name : XXXX XXXX XXXX XXXX Partial Account # : Issue : This is a collection account that is not properly validated. XXXX is notorious for robo-verification tactics which were addressed in CFPB enforcement actions. 

Legal Basis : Per 15 U.S.C. 1692g, and 1681s-2 ( b ), any collector reporting derogatory data must validate the debt with sufficient documentation. XXXX has failed to do so. In addition, CFPB has cited XXXX for improper practices and sham verifications. 

Demand : Delete the account unless full validation ( contract, itemized billing, original agreement, and chain of custody ) is provided. I also demand confirmation the item was investigated beyond XXXX auto verification. 


SECTION XXXX : XXXX XXXX XXXX. of Education Servicer Name : XXXX Partial Account # : [ Match last XXXX digits on report ] Issue : These accounts appear multiple times and are inaccurately reported with inconsistent information. Furthermore, I dispute the legitimacy and enforceability of the debt due to lack of original signed Master Promissory Note ( XXXX ), improper chain of assignment, and lack of due process in transferring servicing rights. 

Legal Basis : Under 15 U.S.C. 1681e ( b ) and 1681i, all information must be verifiable. The burden of proof lies with the furnisher. Additionally, reporting of inaccurate balances, terms, or duplicated entries violates Metro 2 standards.

Demand : Provide a signed Master Promissory Note ( MPN ) for each loan.

Provide servicing transfer notices under 20 U.S.C. 1087cc ( c ).

Remove the entries if the above can not be furnished within 30 days as required by law. 

SECTION 5 : Bankruptcy If Applicable If no bankruptcy is reported, skip this section. If applicable : Public Record : XXXX XXXX Bankruptcy Filing Court : [ Insert Court Name if available ] Issue : Public record information must be verified directly from the court. Per my inquiry, the court does not furnish information to credit bureaus. 

Legal Basis : As ruled in Case Law : XXXX XXXX Experian, consumer reporting agencies can not rely solely on third-party vendors like XXXX or XXXX to verify public records. 

Demand : Delete this bankruptcy as it is unverified and unverifiable under 15 U.S.C. 1681i ( a ) and violates procedural compliance requirements.

Final Notice This letter serves as formal notice under the FCRA. If the requested items are not verified with original documentation within XXXX calendar days, you are required to delete the unverifiable information from my credit file under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Further failure to comply will result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action for willful non-compliance under 1681n. 


Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Formal Dispute Under the Fair Credit Reporting Act ( FCRA ), Metro 2 Format, and CDIA Guidelines Subject : Equifax Credit Report Report Date : [ Insert Report Date from IdentityIQ ] To Whom It May Concern, This letter serves as formal notice of dispute regarding inaccurate and unverifiable information currently being reported on my XXXX credit file. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., demanding a reinvestigation of all disputed entries. You are further obligated to ensure compliance with the XXXX XXXX XXXX and XXXX XXXX XXXX to maintain accuracy and completeness. 


SECTION 1 : Inaccurate Personal Information Issue : My XXXX report contains personal identifiers that are incorrect or outdated. 

Items to be Deleted : Former Addresses : Delete all addresses except my current confirmed address : [ Insert Verified Current Address ] Relevant Law : 15 U.S.C. 1681e ( b ) Ensures maximum possible accuracy 15 U.S.C. 1681g ( a ) Grants the right to access all information in the consumer 's file Demand : Immediately remove all incorrect names and addresses that do not match my current, verified personal information. 


SECTION XXXX : Unverified Hard Inquiry Creditor : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Issue : I did not authorize this hard inquiry in writing, nor did I initiate a credit-based transaction that would justify it. 

Relevant Law : 15 U.S.C. 1681b ( f ) Prohibits obtaining a credit report without a permissible purpose Demand : Remove this inquiry immediately from my credit file due to the lack of permissible purpose and written consent. 


SECTION XXXX : Negative Accounts Charge-Offs & Collections XXXX. Account Name : XXXX XXXX XXXX Partial Account # : Issue : XXXX is a third-party debt buyer reporting this account without proof of original account ownership, billing history, or contract. 

Relevant Law : 15 U.S.C. 1681i ( a ) ( 1 ) Right to dispute and reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher 's obligation to investigate and correct inaccurate data Demand : If LVNV can not produce the original contract, proof of assignment, and full billing statements, this entry must be permanently deleted. 


XXXX. Account Name : XXXX XXXX XXXX XXXX Partial Account # : Issue : This is an unverifiable collection being reported by XXXX, a company previously sanctioned by the CFPB for sham verifications and deceptive practices. 

Relevant Law : 15 U.S.C. 1692g Right to debt validation under FDCPA 15 U.S.C. 1681i CRAs responsibility to conduct a reasonable reinvestigation Demand : Delete this account unless XXXX can fully validate the debt, including the original creditor contract and itemized statements. Robo-verifications do not meet the reasonable investigation threshold. 


SECTION XXXX : XXXX XXXX XXXX XXXX / XXXXXXXX XXXX XXXX Loan Servicer : XXXX Partial Account # : [ Use last XXXX digits listed on report ] Issue : The student loan entries are being reported inaccurately and without proper substantiation. I dispute the validity of these debts on the grounds of the following : No signed Master Promissory Note ( MPN ) has ever been provided No proper notice of assignment or transfer of servicing rights was issued Multiple duplicate entries or inconsistencies exist in balance and status reporting Relevant Law : 15 U.S.C. 1681e ( b ) Mandates maximum possible accuracy 20 U.S.C. 1087cc ( c ) Requires formal notification of loan servicing transfers 15 U.S.C. 1681i Requires deletion of unverified or inaccurately reported data Demand : Provide a copy of each signed MPN Produce documentation of all loan transfers and servicing assignments Delete any entry that can not be verified with original, legally binding documentation SECTION XXXX : Bankruptcy Reporting If Applicable Public Record : XXXX XXXX Bankruptcy Court : [ Insert court name, if applicable ] Issue : If this bankruptcy is being reported based on third-party sources like XXXX or XXXX, and not directly from the court, it constitutes improper verification. 

Relevant Law : XXXX v. Experian XXXX agencies can not rely solely on public record vendors 15 U.S.C. 1681i ( a ) ( 1 ) Unverified public records must be removed Demand : Delete this public record unless you can verify it directly with the bankruptcy court, not via third-party databases.

Final Notice of Compliance Requirement This is a formal dispute under the FCRA. You are obligated to complete a reasonable reinvestigation within 30 days of receipt. If verification can not be substantiated, you must delete the information under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Should you fail to comply, I will escalate the matter by filing complaints with the CFPB, FTC, and consider legal action for noncompliance under 1681n and 1681o.

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