Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act. The list of accounts below XXXX Account number XXXX .... Date opened XX/XX/XXXX Recent balance {$3800.00} as of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Address identification number XXXXXXXX XXXX  Account number XXXX .... Recent balance {$1700.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Address identification number XXXX XXXX Account number XXXX .... Recent balance {$7300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Address identification number XXXXXXXX XXXX  Account number XXXX .... Recent balance {$1400.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Address identification number has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 section 602 A. States I have a right to privacy. 15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I was deceived by XXXX XXXX XXXX that put me deeper into debt. 

U.S. Department of Education XXXX To : XXXX Thu, XX/XX/XXXX at XXXXXXXX XXXX  Seal of the U.S. Department of Education XX/XX/XXXX Dear XXXX XXXX : Subject : Student Loan Discharge Based on XXXX XXXX XXXX XXXX Department of Education ( " Department '' ) has determined that the loan ( s ) you received to attend a school owned and operated by XXXX XXXX XXXX are eligible for full loan discharge. This means the remaining balance on the loan ( s ) will be forgiven. You do not have to make any more payments on the loan ( s ).

Your loan ( s ) will be discharged as part of a Department action ( " Group Discharge '' ) to discharge all outstanding loans for attendance at XXXX XXXX XXXX after finding that it engaged in widespread misconduct that violated state consumer protection laws and/or made widespread substantial misrepresentations about its educational programs, both of which are grounds for borrower defense to repayment under the borrower defense regulations ( 34 C.F.R. 685.206 and/or 685.222 ). The Department is discharging your loans without requiring you to file an application because of the pervasive and widespread nature of the school 's conduct.

You also may receive a refund for prior payments made to the Department on your
discharged loan ( s ) related to XXXX XXXX XXXX. Your servicer will let you know if you are eligible for a payment refund, which would be mailed to you. Please check your online account with your loan servicer to ensure your address is correct so you can receive any refund. Otherwise, you do not have to take any further action to receive your discharge. Your credit report will also be updated to reflect this discharge when it is complete. 

If you do not wish to accept this discharge, please contact your servicer within 30 days of receiving this letter. 

It will take the Department some time to process your discharge. Until the Department completes its work, your eligible loan ( s ) from Corinthian Colleges Inc. will remain paused in forbearance/stopped collections, and we will not ask you to resume making payments. If your loan ( s ) are in default, we will not attempt to collect on the loan ( s ) being discharged. If you have other loans not covered by this group discharge, you will enter repayment and/or collections when the national pause on student loan repayment and collections ends. 

If you have questions about this notice, please call our borrower defense hotline at XXXX from XXXX XXXX on XXXX or from XXXX XXXX on Saturday or Sunday. 

Sincerely, XXXX XXXX XXXX Operating Officer Federal Student Aid

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