Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11782553
Complaint Overview
Complaint ID: 11782553
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: North Carolina
ZIP Code: XXXXX
Date Received: 2025-01-25T12:00:00-05:00
Date Sent to Company: 2025-01-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
CC : Consumer Financial Protection Bureau. Federal Trade Commission. Consumer Affairs Office. State Department of Financial Services. National Consumer Law Center. Re : Instant Removal of Discharged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX needs to be removed due to discharged XXXX XXXX approval. I demand the immediate removal of the federal student loan accounts associated with XXXX XXXX ( now known as the XXXX XXXX XXXX XXXX XXXX ) from my credit report. On XX/XX/XXXX, I received official confirmation from the U.S. Department of Education ( ED ) that these loans have been fully XXXX under Borrower Defense Case Number XXXX. The discharge was granted due to EDs finding of pervasive and widespread substantial misrepresentations made by XXXXXXXX XXXX which violated state consumer protection laws and caused harm to borrowers. The specific accounts in question include loans issued for attendance at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Per the EDs letter, the discharged loans are no longer my responsibility, will not require any further payments, and are to be removed from credit reporting. The XXXX XXXX listed below have been approved for discharge ; however, they still reflect significant amounts of added interest and contain numerous inaccuracies. This is unacceptable. I demand the immediate and permanent removal of all discharged student loans from my records. Failure to address this matter promptly will leave me with no choice but to escalate the issue through legal and regulatory channels. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., credit reporting agencies are required to ensure the accuracy and completeness of information reported on consumer credit reports. The loans listed on my reports that are discharged are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$31000.00} The continued reporting of these discharged loans as outstanding debts is a direct violation of this statute. Additionally, under the FCRA, you are obligated to promptly investigate disputed information and correct or delete inaccurate, data. The U.S. Department of Educations action to discharge these loans further call attention to their invalidity. Notably, in XXXX XXXX XXXX XXXX XXXXXXXX, a case brought by the California Attorney General, the court found that XXXX engaged in deceptive practices, including misrepresentations regarding XXXX XXXX XXXX and career outcomes. Similar findings were cited in the EDs decision, indicating the fraudulent nature of the loans in question.
Frequently Asked Questions
What is Complaint #11782553 about?
Complaint #11782553 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-01-25T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.