Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Complaint Against Experian, XXXX, XXXX, and XXXX for Violations of 20 U.S.C. 1232g ( b ), 15 U.S.C. 1681c, 12 CFR 1022.3, and Other Applicable Laws Dear CFPB, I am writing to file a formal complaint against Experian, XXXX, XXXX, and XXXX for multiple violations of federal law, including the Family Educational Rights and Privacy Act ( XXXX ), the Fair Credit Reporting Act ( FCRA ), and the Consumer Financial Protection Bureaus ( CFPB ) Regulation V ( 12 CFR 1022.3 ). These entities have unlawfully disclosed, sold, and reported my personal and financial information without my consent, causing significant harm to my credit and financial well-being.

Violations of 20 U.S.C. 1232g ( b ) ( FERPA ) Under FERPA, my educational records and personally identifiable information can not be disclosed to third parties without my written consent. However, XXXX, XXXX, and XXXX have repeatedly accessed, shared, and reported my student loan information to credit bureaus without my authorization. I have sent cease-and-desist letters to these entities, revoking any power of attorney or consent previously granted, yet they continue to report inaccurate and unauthorized information to Experian. This is a clear violation of XXXX. 
Violations of 15 U.S.C. 1681c ( FCRA ) The FCRA prohibits the reporting of outdated or inaccurate information on credit reports. Despite my disputes and requests for correction, Experian continues to report information related to my student loans that is inaccurate and unauthorized. Furthermore, the sale of my information to XXXX without my consent is a violation of my rights under the FCRA. 
Violations of 12 CFR 1022.3 ( CFPB Regulation V ) Under 12 CFR 1022.3, the addition of information to my credit report without my written consent constitutes identity theft. XXXX, XXXX, and XXXX have repeatedly added and reported information to my credit file without my permission, which is a criminal offense under this regulation. 
Additional Violations and Fraudulent Activity Failure to Provide Tax Forms : Despite repeated requests, these entities have failed to provide me with the required 1099-A, 1099-B, or 1099-C forms, which are necessary for me to address the tax implications of any alleged debt discharge or settlement. This lack of transparency is fraudulent and unacceptable. 

Unauthorized Sale of XXXX : After being informed of the violations, these companies continued to sell my information to XXXX, further compounding the harm caused by their unlawful actions. 

Requested Resolution I demand the following actions be taken immediately : Removal of All Accounts : All accounts related to XXXX, XXXX, and XXXX must be removed from my credit report with Experian and all other credit bureaus. 

XXXX of Securities : Any securities or financial benefits acquired through the unlawful reporting and sale of my information must be returned to me. 

Compliance with Tax Laws : I must be provided with the required 1099-A, 1099-B, or 1099-C forms immediately. 

Investigation and Penalties : I request that the CFPB investigate these entities for their violations of federal law and impose appropriate penalties, including fines and corrective actions. 

If this matter is not resolved promptly, I will have no choice but to escalate this issue to the Attorney General and pursue further legal action. 

Please contact me at XXXX or XXXX to acknowledge receipt of this complaint and to provide updates on the investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX of social XXXX