Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Dear Sir/Madam, I am writing to formally dispute the accuracy of the information being reported on my credit report by the Department of Education/Aidvantage , Experian XXXX and XXXX XXXX Upon reviewing my credit report, I have discovered numerous discrepancies in the information being reported by all three entities, which is in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681.

The discrepancies include different open dates, varying account balances, and inconsistent monthly payment amounts across all three accounts. Such discrepancies not only undermine the integrity of my credit report but also hinder my ability to make informed financial decisions.

Furthermore, the Department of Education/Aidvantage , Experian, and XXXX are in violation of the Privacy Act of 1974, which mandates the protection of individuals ' personal information held by federal agencies. Additionally, as the accounts in question are related to educational loans, they are subject to the protections outlined in the Family Educational Rights and Privacy Act ( FERPA ).

Moreover, it is illegal to report transaction history, such as balances and late payments, to a credit report. Such reporting practices are in direct violation of the FCRA and further compound the inaccuracies present on my credit report.

In light of these violations, I hereby demand the immediate removal of these accounts from my credit report. Furthermore, I am exercising my right under 15 USC 6802 to opt out of the reporting of these accounts on my credit report effective immediately.

Additionally, the Department of Education/Aidvantage , Experian, and XXXX are also in violation of 16 CFR 433.2, which ensures that consumers have the right to dispute inaccurate information reported by creditors to credit reporting agencies.

I expect the Department of Education/Aidvantage , Experian, and XXXX to take immediate action to rectify this situation and ensure compliance with the FCRA, the Privacy Act of 1974, FERPA, and 16 CFR 433.2. This includes not only removing the inaccurate information but also ensuring that these accounts are expunged from my credit report and that my opt-out request is honored.

Furthermore, I request a thorough review of the reporting practices of all involved parties to prevent such discrepancies from occurring in the future. It is imperative that accurate and consistent information is provided to credit reporting agencies to safeguard the financial interests of consumers.

Please consider this letter as a formal dispute under the provisions of the FCRA, the Privacy Act of 1974, FERPA, and 16 CFR 433.2. I anticipate a prompt response from the Department of Education/Aidvantage , Experian, and XXXX regarding the actions taken to address this matter. If necessary, I am prepared to escalate this issue to ensure that my rights under these acts are upheld. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. 

Sincerely, XXXX XXXX