Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently viewed a copy of my credit report. It shows a student loan identified as XXXX.I have never taken out a student loan through XXXX. 

Per the Family Educational Rights and PrivacXXXX XXXX XXXX XXXX XXXX XXXX XXXXauthorized third-parties should have any supposed educational record and report them to data furrnishers of any sort : The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education recordsXXXX. 
FERPA applies to any public or private elementary, secondary, or post-secondary schoolXXXX 
It gives parents certain rights with respect to their children 's education records, and these rights transfer to the student when they reach the age of XXXX or attend a school beyond the high school level. 
Schools may disclose " directory '' information such as a student 's name, address, and dates of attendance without consent, but they must inform parents and students about directory information and allow them to request that the school not disclose it In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the Courts said, during a dispute and subsequent reinvestigation, with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation. 

That means an original contract or similar proof, not just a printout of the payments that were made. 

Provide all DOCUMENTARY EVIDENCE from the public and private side according to XXXX that this is a valid and verifiable debt you are reporting and claiming the accused debtor " XXXX XXXX '' owes. I further demand you provide authenticated and verifiable proof that accused debtor " XXXX XXXX '' was given an advanced and lawful opportunity to opt-out to any disclosers of personal identifiable information to your corporation and its subsidiaries PAST AND PRESENT. 


Per the F.C.R.A, as a federally protected consumer, I am permanently opting out of any and all authorization, I the consumer may have under duress given you, written, unwritten, verbal, and non-verbal, per 15 U.S.C. 6802. This is effective immediately and indefinitely.

According to the Fair Credit Reporting Act 15 USC1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am theConsumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' I will contact a consumers rights attorney to pursue my rights for private action under the FDCPA and or the FCRA where appropriate.

See attached files and account number to validate my findings of FERPA VALIDATION

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