Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The Credit bureaus need to update their system with the correct information for my student loan Paid in Full and positive status. I spoke with the student loan representative they told me to send that information to them in XXXX and resend it the first week of XXXX. Therefore, it should be reflected as such immediately in my report. Theyre currently reporting as negative on my report which is a violation of 15 USC 6802. This is so stressful and hurts my score thats preventing me from applying for anything such as a car, apartment house, or credit card. 

This is a violation of The Family Educational Rights and Privacy Act of 1974 ( XXXX or the XXXX Amendment ) is a United States federal law that governs the access to educational information and records by public entities such as potential employers, publicly funded educational institutions, and foreign governments. [ 1 ] The act is also referred to as the XXXX XXXX, for one of its proponents, XXXX XXXX XXXX XXXX of New York. [ 2 ] FERPA is a U.S. federal law that regulates access and disclosure of student education records. It grants parents access to their child 's records, allows amendments, and controls disclosure. After a student turns XXXX, their consent is generally required for disclosure. The law applies to institutions receiving U.S. Department of Education funds and provides privacy rights to students 18 years or older, or those in post-secondary institutions. Disclosure is permitted to parents of dependent students, and medical records are usually protected under FERPA rather than HIPAA. The law has faced criticism for concealing non-educational public records. 

The Privacy Act of 1974 ( Pub. L. 93579, 88 Stat. 1896, enacted December 31, 1974, 5 U.S.C. 552a ), a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. 

The Privacy Act prohibits the disclosure of information from a system of records absent of the written consent of the subject individual unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. Additionally, with people granted the right to review what was documented with their name, they are also able to find out if the " records have been disclosed '' and are also given the right to make corrections. [ 1 ]

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 non-monetary relief