Consumer complaint received 2025-05-08 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: PA

Complaint narrative:
I am formally filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the unlawful, inaccurate, and unauthorized reporting of XXXX XXXX  accounts to Experian. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, The following violations have occurred and must be remedied by full deletion of these accounts from Experian consumer credit reporting agency. 
FERPA Violation Unauthorized Disclosure of Education Records Under 20 U.S.C. 1232g ( FERPA ), XXXX has no legal right to disclose student loan information a protected educational record to any third party, including credit reporting agencies, without my explicit written consent. I have never authorized XXXX to transmit my loan data to any credit bureau, and no such consent exists. This constitutes an illegal disclosure of protected education records and a direct FERPA violation. 
FCRA Violations Inaccurate, Unverifiable, and Misleading Data 15 U.S.C. 1681e ( b ) : XXXX failed to ensure maximum possible accuracy of the information furnished to consumer reporting agencies. 
15 U.S.C. 1681i ( 5 ) ( A ) & ( A ) ( ii ) : The loan was transferred numerous times. XXXX has not verified the full chain of assignment, nor the original loan documentation. Any unverifiable or incomplete data must be deleted, not corrected. 
15 U.S.C. 1681i ( 6 ) ( B ) ( ii ) : I have not received a reinvestigation summary of results within 15 days after prior disputes. 
15 U.S.C. 1681b : XXXX lacks a valid permissible purpose to report my loan data to third-party CRAs under this statute. They are not the originator, and I never consented to their reporting. 
FCRA 611 : XXXX and the CRAs have failed to provide proper verification under 611 for this account after my dispute. If it can not be verified with documentation, it must be removed. 
FDCPA Violations Misrepresentation and Unfair Reporting 15 U.S.C. 1692e : Reporting a deferred loan as open with active payment activity constitutes a false or misleading representation of debt status.

15 U.S.C. 1692f : Continuing to report balances and updating monthly on a non-collectible, deferred account is an unfair and abusive credit practice.

TILA Violations Inadequate Disclosures & Transfer Transparency Under the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), XXXX has not provided required disclosures regarding interest rates, payment changes, and assignment of servicing rights after transfer. No disclosures were sent or acknowledged by me in connection to XXXX  servicing rights or reporting authority. 
Violation of My Consumer Rights I have no documented relationship with XXXX. I did not originate my loans with them. The loans were transferred multiple times without transparent disclosures, and XXXX has not provided any of the following : The original signed promissory notes ( per FCRA 609 ( a ) ( 1 ) ) Proof of chain of assignments Permissible purpose to furnish data to CRAs Full validation and method of verification after dispute I demand immediate and permanent deletion of these XXXX  accounts from My EXPERIAN REPORT due to : Unauthorized disclosure under FERPA Inaccurate and unverifiable reporting under FCRA Failure to comply with dispute resolution and validation under 611 Violations of FDCPA due to misleading and unfair reporting Violations of TILA due to noncompliance with transfer disclosure laws If this complaint is not addressed with deletion and written confirmation, I reserve the right to escalate this matter to the Department of Education 's FERPA enforcement unit and pursue legal action.

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