Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

Accounts in Question XXXX XXXX XXXX - XXXXXXXX XXXX/Dept OF ED ( XXXX ) - XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX ) - XXXX On XX/XX/XXXX i put on a complaint on XXXX through CFPB on accounts that should not have been on my credit report and needed to be deleted ASAP! The accounts in question were deleted after they did an investigation. I disputed the same accounts with experian and the accounts in question came back verified. According to 1681b ( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies.

ALL CONSUMER REPORTING AGENCIES MUST WORK TOGETHER AND BE JOINED! If i dispute items on my credit report if it comes off of one it must come off of all!! 

If an account i disputed is deleted from XXXX but not experian that means that experian did not do a full investigation because if they did how can one company verify something and one company can't? its clear that experian did not do their job and not to mention if something was deleted on one report and not the other than also means my credit report is not accurate and experian is suppose to uphold MAXIMUM ACCURACY when it comes to credit reports!! 

XXXXDept OF ED, XXXXXXXX XXXX XXXX XXXX are both Student loan account which violates the Family Educational Rights and Privacy Act ( FERPA ) . The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. It also applies to any state or local education agency that receives funds under an applicable program of the US Department of Education. The Act serves two primary purposes : 1. It gives parents or eligible students more control over their educational records, and 2. It prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of an eligible student, or if the student is a minor, the students parents ( 20 U.S.C.S. 1232g ( b ) ).

n the courts, credit reporting companies have made arguments that could have a far-reaching impact on their obligations to report information accurately. Under the law, when they prepare credit reports, credit reporting companies are required to follow reasonable procedures to assure maximum possible accuracy of the information. Similarly, furnishers are required to investigate the accuracy of such information if it is disputed by a consumer. There is no exception for particular types of inaccuracies. Nonetheless, credit reporting companies and furnishers have been arguing in court that their duties dont apply to certain inaccuracies. They have claimed that they are not violating the law if the question of whether the information is true or false can be characterized as a legal issue, rather than a factual one. If this were true, it would be a huge loophole in the laws protection for consumers. In practice, almost any type of inaccuracy could conceivably be characterized as a legal issue. For example, credit reporting companies and furnishers have claimed that mistakes about whether a consumer actually owes money fall into this category. 

Fortunately, there is no such loophole in the law. Congress was clear that credit reporting companies and furnishers have responsibilities with respect to accuracy with no exceptions for legal issues. Accordingly, the Consumer Financial Protection Bureau ( CFPB ) recently filed two friend-of-the-court ( amicus ) briefs standing up for consumers and the law as Congress wrote it.