Consumer complaint received 2025-03-03 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 filing this complaint against XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), the XXXXXXXX XXXX XXXX XXXX and the credit reporting agencies ( Experian, Equifax, and TransUnion ) due to the unauthorized access of my private student loan data by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX led by XXXX XXXX. This access constitutes a violation of the Privacy Act of XXXX  and raises significant concerns about the accuracy and security of my federally serviced student loan information. 

Given this major breach of federal privacy laws, I am requesting the immediate removal of my federal student loan accounts from my credit reports under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ) due to improper handling and unauthorized disclosure of my private information. 
Detailed Explanation of the Issue : Unauthorized Disclosure of My Personal Loan Information : Recent reports confirm that XXXX was granted improper access to sensitive borrower data, including federal student loan records serviced by XXXX. 
This unauthorized access is a clear violation of the Privacy Act of XXXX ( 5 U.S.C. 552a ), which prohibits federal agencies from disclosing personal information without consent. 
Compromised Credit Report Accuracy : My loan servicer ( XXXX ) and the XXXX XXXX XXXX failed to protect my private loan data, calling into question the integrity of their reporting to the credit bureaus. 
Since this data has been accessed and potentially misused, the accuracy and reliability of my loan reporting are now legally compromised under the Fair Credit Reporting Act ( FCRA ). 
Failure to Maintain Security of My Financial Information : Federal law requires loan servicers and the Department of Education to maintain strict security protocols regarding student loan borrower data. 
Their failure to safeguard my financial records from unauthorized access creates a significant risk of misuse, fraud, or inaccuracies in my credit reporting. 
Legal Violations Committed : 1. Privacy Act of XXXX  ( 5 U.S.C. 552a ) Unauthorized Disclosure XXXX XXXX XXXX XXXX XXXX  and XXXX allowed my private loan information to be accessed by XXXX without my knowledge or consent. 
The Privacy Act explicitly prohibits federal agencies from disclosing personal information without proper authorization.

2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 ( a ) Right to Block or Remove Unauthorized Accounts Due to the Privacy Act violation and security breach, my student loan reporting is now legally unreliable.

Under FCRA 15 U.S.C. 1681c-2 ( a ), I have the right to demand removal of any account from my credit report that was reported under improper circumstances or without proper legal safeguards.

3. Federal Data Security Regulations 34 C.F.R. 682.209 Federal regulations require loan servicers and the Department of Education to secure borrower data and prevent unauthorized access. 
By allowing XXXX unauthorized access, XXXX and the XXXX have breached their obligations under federal student loan servicing laws. 
Desired Resolution : Immediate removal of my federal student loan accounts from my credit reports ( Experian, Equifax, and TransUnion ) under FCRA 15 U.S.C. 1681c-2 ( a ) due to unauthorized data access. 
A full audit of XXXX and the XXXX XXXX XXXXXXXX handling of borrower data to determine the extent of the Privacy Act violations.

Regulatory penalties or enforcement action against XXXX and XXXX XXXX XXXX XXXX  for failing to protect private borrower information. 
A formal written statement from XXXX and the XXXX XXXX XXXX confirming that my personal loan data has been permanently removed from any systems improperly accessed by XXXX. 


ARTICLE LINKS FOR SUPPORT XXXX  teams access to student loan systems raises alarm over borrowers personal information https : XXXX The Privacy Act of XXXX  Was Designed To Protect Us From XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX

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