{"took":260,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1508,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10260704","_score":19.495876,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I request additional verification and update with the correct amount that I owe on my student loan amount that is illegally reporting to my credit report incorrectly, only response I received was it been verified. Unfortunately, it has not been verified correctly by your data furnisher, as you are reporting incorrect amounts on my credit report. My student loan balance as of today XX/XX/year> is {$41000.00} and you are reporting my balance as {$51000.00} and {$51000.00}. You are incorrectly reporting {$9600.00} more than what I owe. I have attached my loan summary from XXXX which is my student loan furnisher. I demand that you do your job and update my account correctly and be actually diligent about updating my information correctly.","date_sent_to_company":"2024-09-26T16:51:47.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85018","tags":null,"has_narrative":true,"complaint_id":"10260704","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-26T16:28:59.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["You are <em>incorrectly</em> <em>reporting</em> {$9600.00} more than what I owe. I have attached my <em>loan</em> summary from XXXX which is my <em>student</em> <em>loan</em> furnisher. I demand that you do <em>your</em> job and update my account correctly and be actually diligent about updating my <em>information</em> correctly."],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Their investigation did not fix an error on <em>your</em> <em>report</em>"]},"sort":[19.495876,"10260704"]},{"_index":"complaint-public-v1","_id":"10260483","_score":19.495876,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I request additional verification and update with the correct amount that I owe on my student loan amount that is illegally reporting to my credit report incorrectly, only response I received was it been verified. Unfortunately, it has not been verified correctly by your data furnisher, as you are reporting incorrect amounts on my credit report. My student loan balance as of today XX/XX/year> is {$41000.00} and you are reporting my balance as {$51000.00} and {$51000.00}. You are incorrectly reporting {$9600.00} more than what I owe. I have attached my loan summary from XXXX which is my student loan furnisher. I demand that you do your job and update my account correctly and be actually diligent about updating my information correctly.","date_sent_to_company":"2024-09-26T16:52:14.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85018","tags":null,"has_narrative":true,"complaint_id":"10260483","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-26T16:51:57.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["You are <em>incorrectly</em> <em>reporting</em> {$9600.00} more than what I owe. I have attached my <em>loan</em> summary from XXXX which is my <em>student</em> <em>loan</em> furnisher. I demand that you do <em>your</em> job and update my account correctly and be actually diligent about updating my <em>information</em> correctly."],"sub_issue":["Their investigation did not fix an error on <em>your</em> <em>report</em>"]},"sort":[19.495876,"10260483"]},{"_index":"complaint-public-v1","_id":"10254212","_score":19.478338,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I request additional verification and update with the correct amount that I owe on my student loan amount that is illegally reporting to my credit report incorrectly, only response I received was it been verified. Unfortunately, it has not been verified correctly by your data furnisher, as you are reporting incorrect amounts on my credit report. My student loan balance as of today XX/XX/year> is {$41000.00} and you are reporting my balance as {$51000.00} and {$51000.00}. You are incorrectly reporting {$9600.00} more than what I owe. I have attached my loan summary from XXXX which is my student loan furnisher. I demand that you do your job and update my account correctly and be actually diligent about updating my information correctly.","date_sent_to_company":"2024-09-26T16:52:14.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85018","tags":null,"has_narrative":true,"complaint_id":"10254212","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-26T16:51:57.000Z","state":"AZ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["You are <em>incorrectly</em> <em>reporting</em> {$9600.00} more than what I owe. I have attached my <em>loan</em> summary from XXXX which is my <em>student</em> <em>loan</em> furnisher. I demand that you do <em>your</em> job and update my account correctly and be actually diligent about updating my <em>information</em> correctly."],"sub_issue":["Their investigation did not fix an error on <em>your</em> <em>report</em>"]},"sort":[19.478338,"10254212"]},{"_index":"complaint-public-v1","_id":"9940407","_score":19.280363,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to inform the CFPB that my student loans have been illegally and inaccurately reported to my credit report. According to the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and up-to-date information to credit reporting agencies. In my case, the information regarding my student loans is incorrect and misleading. \n\nFurthermore, the XXXX XXXX XXXX XXXX ( XXXX ) prohibits the reporting of inaccurate information about student loans to credit reporting agencies. The fact that my student loans have been reported incorrectly is a violation of this law. \n\nI am requesting that the CFPB investigate this matter and take appropriate action to rectify the inaccurate reporting of my student loans. I believe that my rights as a borrower have been violated, and I am seeking a resolution to this issue as soon as possible. \n\nThank you for your attention to this matter. I look forward to hearing from you soon regarding the steps that will be taken to address this issue.","date_sent_to_company":"2024-08-27T12:32:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"237XX","tags":null,"has_narrative":true,"complaint_id":"9940407","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2024-08-26T05:37:13.000Z","state":"VA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am writing to inform the CFPB that my <em>student</em> <em>loans</em> have been illegally and inaccurately <em>reported</em> to my credit <em>report</em>. According to the Fair Credit <em>Reporting</em> Act ( FCRA ), creditors are required to <em>report</em> accurate and up-to-date <em>information</em> to credit <em>reporting</em> agencies. In my case, the <em>information</em> regarding my <em>student</em> <em>loans</em> is <em>incorrect</em> and misleading."],"issue":["Improper use of <em>your</em> <em>report</em>"],"sub_issue":["Reporting company used <em>your</em> <em>report</em> improperly"]},"sort":[19.280363,"9940407"]},{"_index":"complaint-public-v1","_id":"9916980","_score":19.275831,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to inform the CFPB that my student loans have been illegally and inaccurately reported to my credit report. According to the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and up-to-date information to credit reporting agencies. In my case, the information regarding my student loans is incorrect and misleading. \n\nFurthermore, the XXXX XXXX XXXX XXXX ( XXXX ) prohibits the reporting of inaccurate information about student loans to credit reporting agencies. The fact that my student loans have been reported incorrectly is a violation of this law. \n\nI am requesting that the CFPB investigate this matter and take appropriate action to rectify the inaccurate reporting of my student loans. I believe that my rights as a borrower have been violated, and I am seeking a resolution to this issue as soon as possible. \n\nThank you for your attention to this matter. I look forward to hearing from you soon regarding the steps that will be taken to address this issue.","date_sent_to_company":"2024-08-26T05:46:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"237XX","tags":null,"has_narrative":true,"complaint_id":"9916980","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-26T05:46:34.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am writing to inform the CFPB that my <em>student</em> <em>loans</em> have been illegally and inaccurately <em>reported</em> to my credit <em>report</em>. According to the Fair Credit <em>Reporting</em> Act ( FCRA ), creditors are required to <em>report</em> accurate and up-to-date <em>information</em> to credit <em>reporting</em> agencies. In my case, the <em>information</em> regarding my <em>student</em> <em>loans</em> is <em>incorrect</em> and misleading."],"issue":["Improper use of <em>your</em> <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Reporting company used <em>your</em> <em>report</em> improperly"]},"sort":[19.275831,"9916980"]},{"_index":"complaint-public-v1","_id":"12684614","_score":18.905365,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute incorrect student loan information that continues to reappear on my account, despite previous efforts to have it corrected. I have noticed that outdated or inaccurate details regarding my student loan, serviced by Department of Education and XXXX, keep resurfacing, causing ongoing issues with my records and credit report. \n\nI request that the Consumer Financial Protection Bureau intervene to ensure this matter is permanently resolved and that my loan servicer takes appropriate action to prevent the incorrect information from reappearing. Please provide me with an update on your investigation and any steps being taken to address this issue. \n\nThank you for your time and assistance. I look forward to your prompt response.","date_sent_to_company":"2025-03-27T19:53:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34748","tags":null,"has_narrative":true,"complaint_id":"12684614","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Servicer under contract with Federal Student Aid","date_received":"2025-03-27T19:28:30.000Z","state":"FL","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["I am writing to formally dispute <em>incorrect</em> <em>student</em> <em>loan</em> <em>information</em> that continues to reappear on my account, despite previous efforts to have it corrected. I have noticed that outdated or inaccurate details regarding my <em>student</em> <em>loan</em>, serviced by Department of Education and XXXX, keep resurfacing, causing ongoing issues with my records and credit <em>report</em>."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"company":["Servicer under contract with Federal <em>Student</em> Aid"],"sub_issue":["Old <em>information</em> reappears or never goes away"]},"sort":[18.905365,"12684614"]},{"_index":"complaint-public-v1","_id":"12683610","_score":18.892899,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute incorrect student loan information that continues to reappear on my account, despite previous efforts to have it corrected. I have noticed that outdated or inaccurate details regarding my student loan, serviced by Department of Education and XXXX, keep resurfacing, causing ongoing issues with my records and credit report. \n\nI request that the Consumer Financial Protection Bureau intervene to ensure this matter is permanently resolved and that my loan servicer takes appropriate action to prevent the incorrect information from reappearing. Please provide me with an update on your investigation and any steps being taken to address this issue. \n\nThank you for your time and assistance. I look forward to your prompt response.","date_sent_to_company":"2025-03-27T19:53:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34748","tags":null,"has_narrative":true,"complaint_id":"12683610","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Texas Guaranteed","date_received":"2025-03-27T19:52:39.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["I am writing to formally dispute <em>incorrect</em> <em>student</em> <em>loan</em> <em>information</em> that continues to reappear on my account, despite previous efforts to have it corrected. I have noticed that outdated or inaccurate details regarding my <em>student</em> <em>loan</em>, serviced by Department of Education and XXXX, keep resurfacing, causing ongoing issues with my records and credit <em>report</em>."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["Old <em>information</em> reappears or never goes away"]},"sort":[18.892899,"12683610"]},{"_index":"complaint-public-v1","_id":"10229106","_score":18.731403,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Nelnet 's response is essentially a deflection of responsibility. XXXX XXXX and XXXX XXXX. XXXX  XXXX  XXXX while they provide some general information about credit scores and how student loans can impact them, they avoid addressing the specific inaccuracies I pointed out in the initial letter. \n\nKey Issues in Nelnet 's Response : Avoidance of Specific Issues : Nelnet doesn't address the incorrect consolidation status or the presence of closed accounts from previous lenders. \nFocus on General Credit Information : The response provides generic information about credit scores and how student loan payments affect them, but it doesn't address the specific errors XXXX highlighted. \nMisdirection : Nelnet implies that the issues might be with the credit bureaus, not with their reporting, which could be a tactic to shift blame. \n\nTo Whom It May Concern, Your nine-digit SSN # XXXX First and Last Name. XXXX XXXX XXXX XXXX XXXX of Birth. XXXX I am writing to dispute inaccuracies on my credit report regarding my student loan accounts. \n\nUpon reviewing my credit report, I discovered that Nelnet has incorrectly reported the approved consolidation of my student loans. Additionally, closed accounts from previous student loan companies are being reported, which is inaccurate. I am no longer with Nelnet. Double reporting of as Loans. Consolidation from XXXX is currently reported. \n\nI request that these errors be corrected promptly. \n\nI have attached supporting documentation for your review. \n\nThank you for your immediate attention to this matter. \n\nPlease find the addendum attached for further details. \n\n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-09-24T18:02:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"37086","tags":null,"has_narrative":true,"complaint_id":"10229106","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2024-09-24T17:18:39.000Z","state":"TN","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["XXXX I am writing to dispute inaccuracies on my credit <em>report</em> regarding my <em>student</em> <em>loan</em> accounts. \n\nUpon reviewing my credit <em>report</em>, I discovered that Nelnet has <em>incorrectly</em> <em>reported</em> the approved consolidation of my <em>student</em> <em>loans</em>. Additionally, closed accounts from previous <em>student</em> <em>loan</em> companies are being <em>reported</em>, which is inaccurate. I am no longer with Nelnet. Double <em>reporting</em> of as <em>Loans</em>. Consolidation from XXXX is currently <em>reported</em>. \n\nI request that these errors be corrected promptly."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["Old <em>information</em> reappears or never goes away"]},"sort":[18.731403,"10229106"]},{"_index":"complaint-public-v1","_id":"18042068","_score":18.5101,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$54000.00}, Request for Student Loan Review and Potential Deletion Due to FERPA Violation Dear MOHELA, I am writing to formally request a review of my student loan records in light of potential FERRQ violations that may have impacted my loan XXXX eligibility, terms, or disbursement. Under FERPA, I have the right to privacy and accurate record keeping regarding my educational history. Upon reviewing my records, I have identified 1 discrepancies/misuse of my educational information, including but not limited to- 85, issues 1. Incorrect education records, or errors in enrollment from that student loan freedom affect of my education information, including but not limited to-Incorrect loan disbursement, unauthorized release of education records, or errors in enrollment status, this how this violation affected your loan, such as an incorrect balance, disbursement error, or fraudulent use of your records ] In accordance with FERPA regulations and consumer protection laws, I request:1. A full review of my student loan records and any errors caused by improper record-keeping or data misuse.2. A correction or deletion of any inaccurately reported loan amounts or disbursements.3. Written confirmation of the findings of this review within 30 days of receive of this letter. lf this matter is not resolved, I arg8 prepared to escalate my complaint to the U.S. Department of Education 's Federal Student Aid Office and file a FERPA complaint with the Family Policy Compliance Office ( FPCO ) .Please confirm receipt of this request? and provide guidance on the next steps.","date_sent_to_company":"2025-12-01T05:47:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20744","tags":null,"has_narrative":true,"complaint_id":"18042068","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"MOHELA","date_received":"2025-12-01T05:47:18.000Z","state":"MD","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Incorrect</em> education records, or errors in enrollment from that <em>student</em> <em>loan</em> freedom affect of my education <em>information</em>, including but not limited to-<em>Incorrect</em> <em>loan</em> disbursement, unauthorized release of education records, or errors in enrollment status, this how this violation affected <em>your</em> <em>loan</em>, such as an <em>incorrect</em> balance, disbursement error, or fraudulent use of <em>your</em> records ] In accordance with FERPA regulations and consumer protection laws, I request:1."],"issue":["Improper use of <em>your</em> <em>report</em>"],"sub_issue":["Reporting company used <em>your</em> <em>report</em> improperly"]},"sort":[18.5101,"18042068"]},{"_index":"complaint-public-v1","_id":"4103663","_score":18.376106,"_source":{"product":"Debt collection","complaint_what_happened":"General Revenue Corporation XXXX left a message on our home phone voicemail stating that they are a collection agency for student loans for our son. Leaving a different telephone number XXXX to call them back with a identification number. My son called them back and they gave him a collection amount of {$8000.00} he owed on student loans. Which this amount is incorrect. They told him that to pay off right away the amount is {$6800.00} or the other option would be a down payment of {$1000.00} with monthly payments of {$200.00} a month.They also mailed a letter with a demand of payment that was suspicious. The method of payment was for a credit card or debit card only. We did some research on the internet about this company and their webpage was very suspicious. We checked the student aid website to confirm that Subsidized and Unsubsidized Direct Loans are protected by the Cares Act. Private loans like Perkins Loans and FFEL-Federal Family Education Loan are not protected by the Cares Act. Login into your federal student loan account and check the status first. Then he contacted federal student aid XXXX to check on his account to make sure that the same loan servicer that manages his account was still in effect. After that he called his Loan Servicer company which confirmed also that his student loan payments is still deferred under the Cares Act. That deferred status has been extended to XX/XX/2021 by the Cares Act, and his account has never been turned over to collection. Never give these people any personal information. Always check on your own student loans accounts yourself first by logging into your account. Then call federal student aid at XXXX for additional help and questions about your loan status. Do not call these people back. If there is a problem with your loan find out from federal student aid who your loan service company is and how to contact them first. Then follow their instruction. If your loan service company changes you will be notified in writing who the new company is. The new company will contact you in writing with all the contact information and explaining that they are your new loan servicer. Check your credit report, it will contain all your student loan accounts and the name of your loan servicer, address and telephone number.This telephone call is a student loan scam.","date_sent_to_company":"2021-01-29T20:53:23.000Z","issue":"False statements or representation","sub_product":"Federal student loan debt","zip_code":"711XX","tags":null,"has_narrative":true,"complaint_id":"4103663","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SinglePoint GI","date_received":"2021-01-29T19:57:42.000Z","state":"LA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["The new company will contact you in writing with all the contact <em>information</em> and explaining that they are <em>your</em> new <em>loan</em> servicer. Check <em>your</em> credit <em>report</em>, it will contain all <em>your</em> <em>student</em> <em>loan</em> accounts and the name of <em>your</em> <em>loan</em> servicer, address and telephone number.This telephone call is a <em>student</em> <em>loan</em> scam."],"sub_product":["Federal <em>student</em> <em>loan</em> debt"]},"sort":[18.376106,"4103663"]},{"_index":"complaint-public-v1","_id":"12060708","_score":18.374838,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Subject : Dispute of Duplicate Student Loan Accounts Reporting Incorrect Balance I am writing to formally dispute inaccurate information on my credit report regarding my student loan accounts. It appears that my student loans are being reported as duplicate accounts, causing my total balance to be incorrectly reflected as double what it should be. This error is negatively impacting my credit profile, and I request an immediate investigation and correction. \n\nDetails of the Disputed Accounts : Lender Name : Mohela Account Numbers ( Last Four Digits ) : XXXX, XXXX ( Duplicated Accounts ) Incorrect Reported Balance : {$160000.00} Actual Balance Owed : {$84000.00} Upon reviewing my credit report, I have noticed that my student loans appear multiple times under different account numbers or with slight variations in reporting, despite them being the same obligation. This duplication is causing an inaccurate representation of my debt. \n\nUnder the Fair Credit Reporting Act ( FCRA ), I am requesting that your bureau conduct an investigation to verify the accuracy of these reported balances. If these accounts are found to be erroneously duplicated, I ask that the incorrect entries be removed or corrected immediately to reflect my true balance. \n\n\nPlease confirm receipt of this dispute and provide updates regarding the investigation. I appreciate your prompt attention to this matter and look forward to your response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-12T17:53:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30507","tags":null,"has_narrative":true,"complaint_id":"12060708","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-02-12T17:29:50.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Subject : Dispute of Duplicate <em>Student</em> <em>Loan</em> Accounts <em>Reporting</em> <em>Incorrect</em> Balance I am writing to formally dispute inaccurate <em>information</em> on my credit <em>report</em> regarding my <em>student</em> <em>loan</em> accounts. It appears that my <em>student</em> <em>loans</em> are being <em>reported</em> as duplicate accounts, causing my total balance to be <em>incorrectly</em> reflected as double what it should be."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[18.374838,"12060708"]},{"_index":"complaint-public-v1","_id":"12050063","_score":18.367094,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Duplicate Student Loan Accounts Reporting Incorrect Balance I am writing to formally dispute inaccurate information on my credit report regarding my student loan accounts. It appears that my student loans are being reported as duplicate accounts, causing my total balance to be incorrectly reflected as double what it should be. This error is negatively impacting my credit profile, and I request an immediate investigation and correction. \n\nDetails of the Disputed Accounts : Lender Name : XXXX Account Numbers ( Last Four Digits ) : XXXX, XXXX ( Duplicated Accounts ) Incorrect Reported Balance : {$160000.00} Actual Balance Owed : {$84000.00} Upon reviewing my credit report, I have noticed that my student loans appear multiple times under different account numbers or with slight variations in reporting, despite them being the same obligation. This duplication is causing an inaccurate representation of my debt. \n\nUnder the Fair Credit Reporting Act ( FCRA ), I am requesting that your bureau conduct an investigation to verify the accuracy of these reported balances. If these accounts are found to be erroneously duplicated, I ask that the incorrect entries be removed or corrected immediately to reflect my true balance. \n\n\nPlease confirm receipt of this dispute and provide updates regarding the investigation. I appreciate your prompt attention to this matter and look forward to your response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-12T17:53:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30507","tags":null,"has_narrative":true,"complaint_id":"12050063","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-12T17:53:23.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Duplicate <em>Student</em> <em>Loan</em> Accounts <em>Reporting</em> <em>Incorrect</em> Balance I am writing to formally dispute inaccurate <em>information</em> on my credit <em>report</em> regarding my <em>student</em> <em>loan</em> accounts. It appears that my <em>student</em> <em>loans</em> are being <em>reported</em> as duplicate accounts, causing my total balance to be <em>incorrectly</em> reflected as double what it should be."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[18.367094,"12050063"]},{"_index":"complaint-public-v1","_id":"8439717","_score":18.315304,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to request from the Consumer Financial Protection Bureau ( CFPB regarding the discharge of my student loan and a potential violation of the Fair Credit Reporting Act ( FCRA ). \n\nI have been facing severe financial hardship due to the student loan being reported on my credit file incorrectly and repeatedly. I received a letter from XXXX on XX/XX/2022, stating that my loan has been paid in full ( attached ). I believe that I may be eligible for a loan discharge based on these financial difficulties and would like to explore this option further. \n\nAdditionally, I recently obtained a copy of my credit report and noticed inaccuracies in the reporting of my student loan account. The discrepancies have adversely affected my credit score and financial well-being. I suspect that there may be violations of the FCRA in the reporting of my student loan information. \n\nI kindly request that the CFPB investigate these matters and assist me in resolving the issues related to the discharge of my student loan and the potential FCRA violations. I have attached relevant documents, including proof of financial hardship and copies of my credit reports, for your review. \n\nPlease let me know the next steps I should take and any additional information required to facilitate the investigation process. Your prompt attention to this matter is greatly appreciated. \n\nThank you for your time and assistance. I look forward to resolving these issues with your support.","date_sent_to_company":"2024-02-29T01:08:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"15642","tags":null,"has_narrative":true,"complaint_id":"8439717","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-29T01:08:34.000Z","state":"PA","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["I am writing to request from the Consumer Financial Protection Bureau ( CFPB regarding the discharge of my <em>student</em> <em>loan</em> and a potential violation of the Fair Credit <em>Reporting</em> Act ( FCRA ). \n\nI have been facing severe financial hardship due to the <em>student</em> <em>loan</em> being <em>reported</em> on my credit file <em>incorrectly</em> and repeatedly. I received a letter from XXXX on XX/XX/2022, stating that my <em>loan</em> has been paid in full ( attached )."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["Old <em>information</em> reappears or never goes away"]},"sort":[18.315304,"8439717"]},{"_index":"complaint-public-v1","_id":"8439716","_score":18.315304,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to request from the Consumer Financial Protection Bureau ( CFPB regarding the discharge of my student loan and a potential violation of the Fair Credit Reporting Act ( FCRA ). \n\nI have been facing severe financial hardship due to the student loan being reported on my credit file incorrectly and repeatedly. I received a letter from XXXX on XX/XX/year>, stating that my loan has been paid in full ( attached ). I believe that I may be eligible for a loan discharge based on these financial difficulties and would like to explore this option further.\n\nAdditionally, I recently obtained a copy of my credit report and noticed inaccuracies in the reporting of my student loan account. The discrepancies have adversely affected my credit score and financial well-being. I suspect that there may be violations of the FCRA in the reporting of my student loan information.\n\nI kindly request that the CFPB investigate these matters and assist me in resolving the issues related to the discharge of my student loan and the potential FCRA violations. I have attached relevant documents, including proof of financial hardship and copies of my credit reports, for your review.\n\nPlease let me know the next steps I should take and any additional information required to facilitate the investigation process. Your prompt attention to this matter is greatly appreciated.\n\nThank you for your time and assistance. I look forward to resolving these issues with your support.","date_sent_to_company":"2024-02-29T01:08:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"15642","tags":null,"has_narrative":true,"complaint_id":"8439716","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-29T01:08:34.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["I am writing to request from the Consumer Financial Protection Bureau ( CFPB regarding the discharge of my <em>student</em> <em>loan</em> and a potential violation of the Fair Credit <em>Reporting</em> Act ( FCRA ). \n\nI have been facing severe financial hardship due to the <em>student</em> <em>loan</em> being <em>reported</em> on my credit file <em>incorrectly</em> and repeatedly. I received a letter from XXXX on XX/XX/year>, stating that my <em>loan</em> has been paid in full ( attached )."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Old <em>information</em> reappears or never goes away"]},"sort":[18.315304,"8439716"]},{"_index":"complaint-public-v1","_id":"8439590","_score":18.29116,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to request from the Consumer Financial Protection Bureau ( CFPB regarding the discharge of my student loan and a potential violation of the Fair Credit Reporting Act ( FCRA ). \n\nI have been facing severe financial hardship due to the student loan being reported on my credit file incorrectly and repeatedly. I received a letter from Mohela on XX/XX/year>, stating that my loan has been paid in full ( attached ). I believe that I may be eligible for a loan discharge based on these financial difficulties and would like to explore this option further. \n\nAdditionally, I recently obtained a copy of my credit report and noticed inaccuracies in the reporting of my student loan account. The discrepancies have adversely affected my credit score and financial well-being. I suspect that there may be violations of the FCRA in the reporting of my student loan information. \n\nI kindly request that the CFPB investigate these matters and assist me in resolving the issues related to the discharge of my student loan and the potential FCRA violations. I have attached relevant documents, including proof of financial hardship and copies of my credit reports, for your review. \n\nPlease let me know the next steps I should take and any additional information required to facilitate the investigation process. Your prompt attention to this matter is greatly appreciated. \n\nThank you for your time and assistance. I look forward to resolving these issues with your support.","date_sent_to_company":"2024-02-29T01:08:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"15642","tags":null,"has_narrative":true,"complaint_id":"8439590","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2024-02-29T00:50:33.000Z","state":"PA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["I am writing to request from the Consumer Financial Protection Bureau ( CFPB regarding the discharge of my <em>student</em> <em>loan</em> and a potential violation of the Fair Credit <em>Reporting</em> Act ( FCRA ). \n\nI have been facing severe financial hardship due to the <em>student</em> <em>loan</em> being <em>reported</em> on my credit file <em>incorrectly</em> and repeatedly. I received a letter from Mohela on XX/XX/year>, stating that my <em>loan</em> has been paid in full ( attached )."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["Old <em>information</em> reappears or never goes away"]},"sort":[18.29116,"8439590"]},{"_index":"complaint-public-v1","_id":"8616868","_score":18.259645,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/23 I submitted complaint XXXX detailing incorrect information on my credit report : after transfer of loans from Nelnet to XXXX, Nelnet had not furnished updated student loan information to CRAs, thereby making my student loan debt appear double what it is. \n\nIn response, Nelnet stated the information had not been furnished, given the transfer led the Department of Education to apply a suppression on my account. The final response from Nelnet further stated \" When we receive direction from ED to remove the suppression we will furnish data reflecting that your account has a {$0.00} balance. '' The account balance continues to be incorrect on my credit report.","date_sent_to_company":"2024-03-25T14:18:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32607","tags":null,"has_narrative":true,"complaint_id":"8616868","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2024-03-25T13:56:57.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["On XX/XX/23 I submitted complaint XXXX detailing <em>incorrect</em> <em>information</em> on my credit <em>report</em> : after transfer of <em>loans</em> from Nelnet to XXXX, Nelnet had not furnished updated <em>student</em> <em>loan</em> <em>information</em> to CRAs, thereby making my <em>student</em> <em>loan</em> debt appear double what it is. \n\nIn response, Nelnet stated the <em>information</em> had not been furnished, given the transfer led the Department of Education to apply a suppression on my account."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[18.259645,"8616868"]},{"_index":"complaint-public-v1","_id":"12422761","_score":18.205082,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute of Incorrect Payment History on Credit Report I am writing to formally dispute an inaccurate entry on my credit report regarding my student loan payment history. My credit report states that I have been making payments on my student loans since XXXX of XXXX and have been paying on time monthly until XXXX of XXXX. However, this information is incorrect, as I have never made any payments toward my student loans. \n\nFor context, I took out these student loans in XXXX and XXXX. Despite this, my credit report reflects a payment history beginning in XXXX of XXXX, which is inaccurate and has negatively impacted my XXXX XXXX. I have supporting evidence that confirms I have not made any payments on these loans, which I am prepared to provide upon request. Id also like to add that if I have been paying these loans on time my credit has not been reflected as such.\n\nI kindly request that you investigate this matter and correct the inaccurate reporting. Please remove the false payment history from my credit report and update my credit score accordingly.\n\nThank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. If you need any additional information, please feel free to contact me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-03-11T19:17:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34221","tags":null,"has_narrative":true,"complaint_id":"12422761","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Servicer under contract with Federal Student Aid","date_received":"2025-03-11T18:51:04.000Z","state":"FL","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["Subject : Dispute of <em>Incorrect</em> Payment History on Credit <em>Report</em> I am writing to formally dispute an inaccurate entry on my credit <em>report</em> regarding my <em>student</em> <em>loan</em> payment history. My credit <em>report</em> states that I have been making payments on my <em>student</em> <em>loans</em> since XXXX of XXXX and have been paying on time monthly until XXXX of XXXX. However, this <em>information</em> is <em>incorrect</em>, as I have never made any payments toward my <em>student</em> <em>loans</em>. \n\nFor context, I took out these <em>student</em> <em>loans</em> in XXXX and XXXX."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"company":["Servicer under contract with Federal <em>Student</em> Aid"],"sub_issue":["Old <em>information</em> reappears or never goes away"]},"sort":[18.205082,"12422761"]},{"_index":"complaint-public-v1","_id":"12959314","_score":17.977108,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the inaccurate reporting of late payments on my student loans, which appears on my credit report. The details of the account in question are as follows : Loan Servicer Name : DEPTEDXXXX Account Number : XXXX I am currently enrolled as a student at [ Your School Name ], and as such, my student loans are in deferment status. I have attached documentation, including my enrollment verification letter and loan deferment confirmation, to support my claim. \n\nThe reporting of late payments is incorrect, as I do not owe any payments at this time. I kindly request that you investigate this matter and remove the inaccurate information from my credit report.","date_sent_to_company":"2025-04-12T20:19:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07112","tags":null,"has_narrative":true,"complaint_id":"12959314","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-12T20:19:05.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The <em>reporting</em> of late payments is <em>incorrect</em>, as I do not owe any payments at this time. I kindly request that you investigate this matter and remove the inaccurate <em>information</em> from my credit <em>report</em>."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["Account status <em>incorrect</em>"]},"sort":[17.977108,"12959314"]},{"_index":"complaint-public-v1","_id":"14530974","_score":17.936108,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate information that appears on my credit report and to request a thorough review and correction of the matter. \n\nMy credit report currently reflects XXXX new student loan accounts as having been opened in XX/XX/year>. This information is incorrect. I have not opened any new student loan accounts in recent years, and there have been no changes or additions to my federal student loans that would justify this reporting. \n\nI initiated a dispute with XXXX, but the accounts were marked as \" verified '' despite the fact that the reported dates are clearly inaccurate. I have since contacted the Department of Education, requesting that they either correct the incorrect open dates or delete the accounts from my credit report entirely. As of now, this issue remains unresolved. \nThis false reporting has had a significant negative impact on my credit score, affecting my financial stability and access to credit through no fault of my own. I respectfully request that this matter be further investigated and that the inaccurate information be corrected or removed to reflect the true status of my student loan accounts. \n\nPlease let me know if any documentation is needed to support this dispute. I appreciate your assistance in helping to resolve this matter promptly and fairly.","date_sent_to_company":"2025-07-08T15:59:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"45342","tags":null,"has_narrative":true,"complaint_id":"14530974","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-07-08T15:32:31.000Z","state":"OH","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am writing to formally dispute inaccurate <em>information</em> that appears on my credit <em>report</em> and to request a thorough review and correction of the matter. \n\nMy credit <em>report</em> currently reflects XXXX new <em>student</em> <em>loan</em> accounts as having been opened in XX/XX/year>. This <em>information</em> is <em>incorrect</em>. I have not opened any new <em>student</em> <em>loan</em> accounts in recent years, and there have been no changes or additions to my federal <em>student</em> <em>loans</em> that would justify this <em>reporting</em>."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[17.936108,"14530974"]},{"_index":"complaint-public-v1","_id":"14522064","_score":17.936108,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate information that appears on my credit report and to request a thorough review and correction of the matter. \n\nMy credit report currently reflects XXXX new student loan accounts as having been opened in XX/XX/year>. This information is incorrect. I have not opened any new student loan accounts in recent years, and there have been no changes or additions to my federal student loans that would justify this reporting. \n\nI initiated a dispute with TransUnion, but the accounts were marked as \" verified '' despite the fact that the reported dates are clearly inaccurate. I have since contacted the Department of Education, requesting that they either correct the incorrect open dates or delete the accounts from my credit report entirely. As of now, this issue remains unresolved. \n\nThis false reporting has had a significant negative impact on my credit score, affecting my financial stability and access to credit through no fault of my own. I respectfully request that this matter be further investigated and that the inaccurate information be corrected or removed to reflect the true status of my student loan accounts. \n\nPlease let me know if any documentation is needed to support this dispute. I appreciate your assistance in helping to resolve this matter promptly and fairly.","date_sent_to_company":"2025-07-08T15:59:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"45342","tags":null,"has_narrative":true,"complaint_id":"14522064","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-08T15:58:49.000Z","state":"OH","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am writing to formally dispute inaccurate <em>information</em> that appears on my credit <em>report</em> and to request a thorough review and correction of the matter. \n\nMy credit <em>report</em> currently reflects XXXX new <em>student</em> <em>loan</em> accounts as having been opened in XX/XX/year>. This <em>information</em> is <em>incorrect</em>. I have not opened any new <em>student</em> <em>loan</em> accounts in recent years, and there have been no changes or additions to my federal <em>student</em> <em>loans</em> that would justify this <em>reporting</em>."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[17.936108,"14522064"]},{"_index":"complaint-public-v1","_id":"14533849","_score":17.90339,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to dispute an inaccurate late payment that was reported on my student loan account managed by XXXX. According to my credit report, a late payment was reported as of XXXX, XXXX, which is incorrect and misleading. \n\n\nMy student loans are currently in deferment status until XX/XX/XXXX, as reflected in my XXXX account. As such, no payments were due at the time of the alleged delinquency. Reporting a late payment while the account is in deferment is a violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and fair reporting of consumer information. \n\n\nI have attached a screenshot and/or documentation from my XXXX account clearly showing the deferment period and the fact that payments are not due during this time.\n\nThis incorrect reporting has caused harm to my credit profile, and I respectfully request that the CFPB assist in having this late payment removed from all credit bureaus where it was reported.\n\nSummary of Complaint : Servicer : Department of Education/ XXXX Loan Type : Federal Student Loan Date of Incorrect Reporting : XXXX, XXXX Account Status : Deferred through XX/XX/XXXX Relief Requested : Immediate removal of the incorrect late payment from all credit reporting agencies. \n\nI appreciate your attention to this matter and look forward to your help in resolving this issue promptly. Please let me know if additional documentation is needed.","date_sent_to_company":"2025-07-08T23:38:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"14533849","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-08T23:37:51.000Z","state":"GA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This <em>incorrect</em> <em>reporting</em> has caused harm to my credit profile, and I respectfully request that the CFPB assist in having this late payment removed from all credit bureaus where it was <em>reported</em>.\n\nSummary of Complaint : Servicer : Department of Education/ XXXX <em>Loan</em> Type : Federal <em>Student</em> <em>Loan</em> Date of <em>Incorrect</em> <em>Reporting</em> : XXXX, XXXX Account Status : Deferred through XX/XX/XXXX Relief Requested : Immediate removal of the <em>incorrect</em> late payment from all credit <em>reporting</em> agencies."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[17.90339,"14533849"]},{"_index":"complaint-public-v1","_id":"14532818","_score":17.90339,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to dispute an inaccurate late payment that was reported on my student loan account managed by XXXX. According to my credit report, a late payment was reported as of XX/XX/XXXX, which is incorrect and misleading. \n\n\nMy student loans are currently in deferment status until XX/XX/XXXX, as reflected in my XXXX account. As such, no payments were due at the time of the alleged delinquency. Reporting a late payment while the account is in deferment is a violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and fair reporting of consumer information. \n\nI have attached a screenshot and/or documentation from my XXXX account clearly showing the deferment period and the fact that payments are not due during this time.\n\nThis incorrect reporting has caused harm to my credit profile, and I respectfully request that the CFPB assist in having this late payment removed from all credit bureaus where it was reported.\n\nSummary of Complaint : Servicer : XXXX Loan Type : Federal Student Loan Date of Incorrect Reporting : XX/XX/XXXX Account Status : Deferred through XX/XX/XXXX Relief Requested : Immediate removal of the incorrect late payment from all credit reporting agencies. \n\n\nI appreciate your attention to this matter and look forward to your help in resolving this issue promptly. Please let me know if additional documentation is needed.","date_sent_to_company":"2025-07-08T22:57:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"14532818","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-08T22:57:12.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This <em>incorrect</em> <em>reporting</em> has caused harm to my credit profile, and I respectfully request that the CFPB assist in having this late payment removed from all credit bureaus where it was <em>reported</em>.\n\nSummary of Complaint : Servicer : XXXX <em>Loan</em> Type : Federal <em>Student</em> <em>Loan</em> Date of <em>Incorrect</em> <em>Reporting</em> : XX/XX/XXXX Account Status : Deferred through XX/XX/XXXX Relief Requested : Immediate removal of the <em>incorrect</em> late payment from all credit <em>reporting</em> agencies."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["Account status <em>incorrect</em>"]},"sort":[17.90339,"14532818"]},{"_index":"complaint-public-v1","_id":"14532768","_score":17.886595,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to dispute an inaccurate late payment that was reported on my student loan account managed by XXXX. According to my credit report, a late payment was reported as of XXXX, XXXX, which is incorrect and misleading. \n\n\nMy student loans are currently in deferment status until XX/XX/XXXX, as reflected in my XXXX account. As such, no payments were due at the time of the alleged delinquency. Reporting a late payment while the account is in deferment is a violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and fair reporting of consumer information. \n\n\nI have attached a screenshot and/or documentation from my XXXX account clearly showing the deferment period and the fact that payments are not due during this time.\n\nThis incorrect reporting has caused harm to my credit profile, and I respectfully request that the CFPB assist in having this late payment removed from all credit bureaus where it was reported.\n\nSummary of Complaint : Servicer : Department of Education/ XXXX Loan Type : Federal Student Loan Date of Incorrect Reporting : XXXX, XXXX Account Status : Deferred through XX/XX/XXXX Relief Requested : Immediate removal of the incorrect late payment from all credit reporting agencies. \n\nI appreciate your attention to this matter and look forward to your help in resolving this issue promptly. Please let me know if additional documentation is needed.","date_sent_to_company":"2025-07-08T23:38:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"14532768","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-08T23:37:51.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This <em>incorrect</em> <em>reporting</em> has caused harm to my credit profile, and I respectfully request that the CFPB assist in having this late payment removed from all credit bureaus where it was <em>reported</em>.\n\nSummary of Complaint : Servicer : Department of Education/ XXXX <em>Loan</em> Type : Federal <em>Student</em> <em>Loan</em> Date of <em>Incorrect</em> <em>Reporting</em> : XXXX, XXXX Account Status : Deferred through XX/XX/XXXX Relief Requested : Immediate removal of the <em>incorrect</em> late payment from all credit <em>reporting</em> agencies."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[17.886595,"14532768"]},{"_index":"complaint-public-v1","_id":"14534391","_score":17.87679,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to dispute an inaccurate late payment that was reported on my student loan account managed by XXXX. According to my credit report, a late payment was reported as of XX/XX/XXXX, which is incorrect and misleading. \n\n\nMy student loans are currently in deferment status until XX/XX/XXXX, as reflected in my XXXX account. As such, no payments were due at the time of the alleged delinquency. Reporting a late payment while the account is in deferment is a violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and fair reporting of consumer information. \n\nI have attached a screenshot and/or documentation from my XXXX account clearly showing the deferment period and the fact that payments are not due during this time.\n\nThis incorrect reporting has caused harm to my credit profile, and I respectfully request that the CFPB assist in having this late payment removed from all credit bureaus where it was reported. \n\nSummary of Complaint : Servicer : XXXX Loan Type : Federal Student Loan Date of Incorrect Reporting : XX/XX/XXXX Account Status : Deferred through XX/XX/XXXX Relief Requested : Immediate removal of the incorrect late payment from all credit reporting agencies. \n\n\nI appreciate your attention to this matter and look forward to your help in resolving this issue promptly. Please let me know if additional documentation is needed.","date_sent_to_company":"2025-07-08T22:57:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"14534391","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-08T22:57:12.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This <em>incorrect</em> <em>reporting</em> has caused harm to my credit profile, and I respectfully request that the CFPB assist in having this late payment removed from all credit bureaus where it was <em>reported</em>. \n\nSummary of Complaint : Servicer : XXXX <em>Loan</em> Type : Federal <em>Student</em> <em>Loan</em> Date of <em>Incorrect</em> <em>Reporting</em> : XX/XX/XXXX Account Status : Deferred through XX/XX/XXXX Relief Requested : Immediate removal of the <em>incorrect</em> late payment from all credit <em>reporting</em> agencies."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Account status <em>incorrect</em>"]},"sort":[17.87679,"14534391"]},{"_index":"complaint-public-v1","_id":"14534388","_score":17.864067,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to dispute an inaccurate late payment that was reported on my student loan account managed by XXXX. According to my credit report, a late payment was reported as of XX/XX/XXXX, which is incorrect and misleading. \n\n\nMy student loans are currently in deferment status until XX/XX/XXXX, as reflected in my XXXX account. As such, no payments were due at the time of the alleged delinquency. Reporting a late payment while the account is in deferment is a violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and fair reporting of consumer information. \n\nI have attached a screenshot and/or documentation from my XXXX account clearly showing the deferment period and the fact that payments are not due during this time.\n\nThis incorrect reporting has caused harm to my credit profile, and I respectfully request that the CFPB assist in having this late payment removed from all credit bureaus where it was reported.\n\nSummary of Complaint : Servicer : XXXX Loan Type : Federal Student Loan Date of Incorrect Reporting : XX/XX/XXXX Account Status : Deferred through XX/XX/XXXX Relief Requested : Immediate removal of the incorrect late payment from all credit reporting agencies. \n\n\nI appreciate your attention to this matter and look forward to your help in resolving this issue promptly. Please let me know if additional documentation is needed.","date_sent_to_company":"2025-07-08T22:57:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"14534388","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-08T22:57:12.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This <em>incorrect</em> <em>reporting</em> has caused harm to my credit profile, and I respectfully request that the CFPB assist in having this late payment removed from all credit bureaus where it was <em>reported</em>.\n\nSummary of Complaint : Servicer : XXXX <em>Loan</em> Type : Federal <em>Student</em> <em>Loan</em> Date of <em>Incorrect</em> <em>Reporting</em> : XX/XX/XXXX Account Status : Deferred through XX/XX/XXXX Relief Requested : Immediate 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