Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This student loan account has inaccurate late payments that are hurting my credit rating and must be deleted immediately. This account was in dispute with the furnisher during the time these payments were being reported as late. Also the account was approved for a forbearance due to covid 19 during this time. This information should not have been reported under no circumstances.

According to Federal Law under The Family Educational Rights and Privacy Act I have the right to have my personal student loan information be kept private, and this transactional information is private and against the law to be reported according to 20 USC 1232g ( b ). I request that this transaction history be deleted in accordance with the law.

Furthermore, 15 U.S. Code 1681a it says these transactional experiences are not to be reported : Subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; Furthermore, the infomration must be accurate please check the screenshot to see the dates provided by two credit reporting agencies which show they each have different dates. This is clear violation as the infomration to be accurate must be the same and reporting exact within its publishing as each reporting agency. This is possible when a accurate investigation has been done and currently this information is false and not correctly reproting. I demand it be updated immeditaely and these private payment history be deleted.

15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Here are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I request to OPT-OUT of of XXXX XXXX, reporting XXXX XXXX history, and rescind their right that I might have provided in the past of them doing so moving forward. This is the notice to the agents and principals of this company. Under Federal Law and the Privacy Act of 1974.

Including 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Once again they must give you an opt out notice for anything that is to be added to your consumer report.

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