Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Subject : Formal Complaint of Consumer Rights Violation under the Family Educational Rights and Privacy Act ( FERPA ) and Relevant Federal Regulations Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Experian, XXXX and XXXX regarding the violation of my consumer rights under the Family Educational Rights and Privacy Act ( FERPA ), 20 USC 1232g ( b ) which protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school., and other pertinent federal regulations. I believe my rights have been violated in the following ways : XXXX. Reporting of Charged Off Closed Account as Income : Experian, XXXX and XXXX has continued to report a charged-off closed account on my credit report. This account is considered income according to IRS publication [ Specify IRS Publication ]. Reporting income on a credit profile is illegal and a clear violation of FERPA. 
XXXX. Reporting Collections on Sold Accounts : Experian, XXXX and XXXX is reporting collections on accounts that have been sold to third-party companies with whom I have no contractual relationship. This is in direct violation of my consumer rights, as the original creditor has transferred the debt, and I should not be held responsible for a debt with which I have no agreement. 
XXXX. Reporting of Late Payments in Violation of 15 USC 1666B : Experian, XXXX and XXXX has also reported late payments on my credit profile, which is a violation of 15 USC 1666B. This law protects consumers from unfair credit reporting practices, and reporting late payments inaccurately damages my creditworthiness. 
XXXX. Failure to Provide Opt-Out Options : None of the financial institutions or credit reporting agencies, including [ Name of Credit Reporting Agency ] XXXX have provided me with my opt-out options as required by 15 U.S.C. 6802 and 12 CFR 1016.1. This omission has deprived me of my right to control the sharing of my personal information. 
I have taken the necessary steps to resolve these issues with Experian, XXXX and XXXX directly, but my efforts have been unsuccessful, and the violations persist. As a result, I kindly request the Consumer Financial Protection Bureau 's assistance in investigating and rectifying these violations of my consumer rights. 
I have attached relevant documentation supporting my claims, including copies of credit reports, correspondence with Experian, XXXX and XXXX and any other pertinent records. 
I understand that the Consumer Financial Protection Bureau is responsible for addressing and resolving consumer complaints related to violations of federal consumer protection laws, and I look forward to your prompt attention to this matter. 
Thank you for your assistance in addressing these violations of my consumer rights. Please do not hesitate to contact me if you require any additional information or documentation.

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