Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12547111
Complaint Overview
Complaint ID: 12547111
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: Account status incorrect
State: Arizona
ZIP Code: 85018
Date Received: 2025-03-18T12:00:00-05:00
Date Sent to Company: 2025-03-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute the reporting of a XXXX late payment on my student loans, which are serviced by XXXX. My loans were placed on hold during the XXXX pandemic, and under extended deferment policies issued by the federal government, I was under the impression that my payments remained paused due to financial hardship. Despite this, XXXX has reported to the credit bureaus that my loans are XXXX days late. However, a review of my XXXX XXXX XXXX does not reflect any late paymentsonly the XXXX XXXX XXXX contains this information. This discrepancy suggests that XXXX XXXX be violating the Fair Credit Reporting Act ( FCRA ) by failing to ensure accurate reporting. Additionally, I was never notified via phone, email, or mail that my deferment had ended and that loan payments would resume. Due to the lack of communication, I was unaware that a payment was required.
Frequently Asked Questions
What is Complaint #12547111 about?
Complaint #12547111 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 2025-03-18T12:00:00-05:00.
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.