Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I consolidated all my XXXX XXXX XXXX with XXXX XXXX, so I could simply have one payment. After doing so it was much easier for me to make on-time payments. 

In XX/XX/XXXX, I called to request a forbearance, due to me XXXX XXXX XXXX I was told it was done and that I should be ok for 6 months. It wasn't until XX/XX/XXXX that I was looking at my credit report and noticed that XXXX took the seven loans I had consolidated and reported them as XXXX loans with over 150 days past due each. This destroyed my credit and my inability to take out any other student loans or any other type of credit for that matter. 

The 6 months that I was given for forbearance would have ended in XX/XX/XXXX but they reported me as 90 days late starting XX/XX/XXXX, meaning that the rep did not apply for forbearance correctly or not at all. After making multiple and even hiring lawyers, XXXX refused to work with and remove those late payments, I offered to pay all the 6 months in full, and they still refused to remove the late payments, I requested a copy of the recorded call with the rep I had spoken to ; they refused, I sent multiple letters that were never responded too as well. 

I never gave up hope that someone at XXXX would help me, so one day I called customer service, and the call was very heated because the rep was so rude, but towards the end of this conversation. The rep advised me to switch servicers and that I didn't need to stay with XXXX. So, I did my research and did just that. 

By changing servicers XXXX was not supposed to continue reporting but it's been almost 5 years, and they are still reporting. To make matters worse they are reporting incorrect information. I have attached my most recent report. 

The worst part is that those seven loans were consolidated so I don't understand how the reporting could be so different ; some loans show 6 months late while others show 7 months, some reflected up to only 120 past due while others show 180 days, and some loans report, XXXX, XXXX, and XXXX as on time but then report XXXX as 90 days past due ; while other loans report XXXX, XXXX, and XXXX as NR ( not reported ). It makes no sense I was making one payment due to the consolidation how can all the loans have different reporting? 


Loan 1XXXX ( XXXX XXXX ) - is being reported only to XXXX Closed ( XX/XX/XXXX ) Loan 2- ( XXXX XXXX ) - is being reported to Experian and XXXX but is being reported different ( closed XX/XX/XXXX ) Loan 3- ( XXXX XXXX ) - is being reported to Experian and XXXX but is being reported different ( closed XX/XX/XXXX ) Loan 4- ( XXXX XXXX ) - is being reported to Experian and XXXX but is being reported different ( closed XX/XX/XXXX ) Loan 5- ( XXXX XXXX ) - is being reported to Experian and XXXX but is being reported different ( closed XX/XX/XXXX ) Loan 6- ( XXXX XXXX ) - is being reported to Experian and XXXX but is being reported different ( closed XX/XX/XXXX ). Also this loan is 1 of 2 loans that the 90 past due started in XXXX and not in XXXX like the other 5. 

Loan 7- ( xxxx XXXX ) - is being reported to Experian and XXXX but is being reported different ( closed XX/XX/XXXX ). Also this loan is 2 of 2 loans that the 90 past due started in XXXX and not in XXXX like the other 5.

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