Consumer complaint received 2025-04-13 00:00:00
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.
State: OH

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX, Experian, and XXXX for the wrongful and unlawful reporting of late payments, the breach of my personal and financial information, and violations of federal privacy laws. Specifically, these companies failed to safeguard my XXXX records under the Family Educational Rights and Privacy Act ( FERPA ) and inaccurately reported a 90-day delinquency on my credit report. The reporting began on XX/XX/year>, despite the fact that my payments for XXXX, XXXX, and XX/XX/year> were accepted and confirmed via check, leaving no basis for a late payment. This breach of confidentiality has caused significant harm, including a XXXX drop in my credit score. I am seeking immediate correction of my credit report, removal of the false delinquency, and the cancellation of the associated debt. I demand the status be updated to " Pay as Agreed '', and false violations be removed within 4 days. 

Detailed Account of Events : Breach of Personal and Financial Information : My personal and financial information was compromised without my authorization, leading to the false reporting of late payments. XXXX, as a federal XXXX loan servicer, is bound by FERPA, which mandates the protection of my XXXX  loan records. This breach is a direct violation of FERPA and the companies involved have failed to uphold their responsibilities to safeguard my information. 

Inaccurate Reporting and Delinquency : Despite payments for XXXX, XXXX, and XX/XX/year> being confirmed as received by check, Experian and XXXX reported a XXXX delinquency starting on XX/XX/year>. This reporting is entirely inaccurate, and there is no justification for such an entry on my credit report. XXXX XXXX XXXX has failed to provide any supporting documentation or verification of the delinquency, further invalidating their claim. This misinformation has caused a XXXX drop in my XXXX XXXX, severely affecting my financial standing. 

Violation of Federal Privacy Laws : As a federal XXXX loan servicer, XXXX XXXX XXXX is bound by FERPA to protect the confidentiality of XXXX records. The breach of my personal and financial data constitutes a violation of FERPA, as well as the Fair Credit Reporting Act ( FCRA ). Both Experian and XXXX have also violated FCRA 15 U.S.C. 1681s-2, which requires the accurate reporting of information. The failure to properly report and rectify this erroneous information is a violation of these laws. 

Request for Correction and Debt Cancellation : Given the breach of confidentiality and the inaccurate reporting, I demand the following actions : Update the account status to " Pay as Agreed '' for all entries related to the payments for XXXX, XXXX, and XX/XX/year>. 

Immediate removal of the false delinquency and any related violations from my credit report. 

Cancellation of the associated debt in full due to the violation of FERPA and FCRA. 

Under FERPA, I have the right to expect the confidentiality of my records to be upheld, and under FCRA, I am entitled to accurate reporting of information that impacts my credit. The failure of Experian, XXXX, and XXXX XXXX XXXX to comply with these requirements has caused significant harm, including a XXXX drop in my credit score, and I expect immediate remediation. 

Request for Compensation : The wrongful reporting and breach of privacy have caused undue financial and emotional distress. I seek appropriate compensation for the damage caused by this breach, including the XXXX drop in my credit score and the difficulty in managing my financial affairs as a result of these errors.

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