Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
I am writing to formally request the removal of my student loan ( s ) due to multiple violations of the Family Educational Rights and Privacy Act ( FERPA ) that have directly impacted my rights and financial obligations. Upon a thorough review of my loan records, I have identified breaches in the handling of my personally identifiable information ( PII ), as well as procedural failures that have rendered my loan ( s ) invalid.

Violation of FERPA and My Rights as a Borrower According to 20 U.S. Code 1232g and 34 CFR Part 99, educational institutions and their affiliates must safeguard student records and obtain proper authorization before disclosing or utilizing student information for purposes beyond the intended scope. The violations include, but are not limited to : 1. Unauthorized Disclosure of Personally Identifiable Information ( PII ) o My student loan data, including my Social Security number, enrollment status, and financial details, have been accessed and shared without my explicit consent, violating my FERPA rights.

o The Department of Education and its contracted loan servicers were required to obtain my written authorization before sharing my data with third-party collectors or agencies.

2. Failure to Provide Full Access to My Educational Records Upon Request o Under FERPA, I have the right to review and correct errors in my student records. However, repeated requests for original loan documentation, including signed promissory notes and disbursement records, have gone unanswered.

o The inability to provide these records indicates a procedural failure that voids the legitimacy of the loan obligation.

3. Unlawful Misrepresentation and Processing Errors o Misrepresentation of my loan status, interest rates, and repayment obligations due to incomplete or incorrect disclosures is a direct violation of federal law. 

o The Department of Education and loan servicers must comply with due process when managing loan disbursements, servicing, and collections. Failure to do so constitutes a material breach. 

Formal Demand for Loan Discharge and Record Removal Due to these clear FERPA violations and non-compliance with federal regulations, I am demanding the immediate removal and discharge of my student loan ( s ) from all records, including : The National Student Loan Data System ( NSLDS ) All credit reporting agencies ( XXXX, Experian, XXXX ) Any affiliated loan servicers, collection agencies, or third-party entities Legal Grounds for Discharge As per 34 CFR 668.7175, misrepresentation and non-compliance with federal student aid regulations warrant loan cancellation. Furthermore, under FERPA ( 34 CFR Part 99 ), the mishandling of educational records can result in federal enforcement actions, including the loss of funding for institutions and agencies involved.

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