Consumer complaint received 2024-05-02 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: FL

Complaint narrative:
I formally requested the voiding, cancellation, and removal of a promissory note agreement from : XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Program, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resolution XXXX XXXX XXXX ), and all three credit bureaus : Experian, XXXX and XXXX, which was entered into with XXXX. The agreement in question is associated with account number ; XXXX. I am providing all necessary details below to facilitate the process. XXXX. **Reason for Request : ** I am requesting this action due to the following grounds : a ) **Fraudulent Misrepresentation : ** The promissory note agreement with XXXX was entered into under circumstances involving fraudulent misrepresentation by Default Resolution XXXX XXXX XXXX ), Federal Family XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Specifically, I was induced to sign the agreement under false pretenses, as crucial information regarding a XXXX XXXX XXXX program promised by XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2008 was withheld from me. The non-disclosure of XXXX XXXX XXXX XXXX XXXX XXXX XXXX school entity and the ambiguity surrounding the promised Federal XXXX XXXX XXXX XXXX XXXX misrepresentation. b ) **Duress or Coercion : ** Furthermore, it is imperative to note that the circumstances under which I entered into the agreement with XXXX XXXX duress or coercion after my employment income were being garnished without my knowledge. I was not provided with all relevant information regarding the terms and conditions of the agreement, and I was pressured into signing without a full understanding of the implications as to why my wages were being garnishes and why I owed a debt to the XXXX Department of Education, XXXX, XXXX XXXX XXXX ( DRG ), XXXX XXXX XXXX XXXX XXXX XXXX ) Program and all three credit bureaus ; Experian, XXXX, and XXXX, submitted by XXXX XXXX XXXX XXXX XXXX XXXX and Default Resolution XXXX XXXX XXXX ). c ) **Ambiguity : ** The terms of the agreement itself were ambiguous and lacked clarity by the staff and representatives of XXXX XXXX XXXX XXXX XXXX XXXX This ambiguity contributed to my misunderstanding of the XXXX XXXX XXXX XXXX agreement and further underscores the fraudulent nature of its inception for a XXXX XXXX XXXX XXXX being offered to me. d ) **Non-Disclosure of Promised Federal XXXX XXXX Program : ** The most significant factor contributing to my request is the non-disclosure of the promised Federal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Program XXXX XX/XX/2008. XXXX XXXX was never a disclosed school entity, but instead was disclosed to my knowledge as Florida XXXX XXXX XXXX, and the promise of a XXXX XXXX XXXX XXXX, which was a crucial component of my decision to enter into the agreement, that was not fulfilled. In accordance with the Fair Credit Reporting act, the list of accounts below has violated my rights to privacy and confidentiality under 15 USC 1681. Reporting : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Family XXXX XXXX XXXX XXXX XXXX XXXX ; Default Resolution Group ( DRG ), and XXXX-account number XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. " 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1682 Section 604 A ( 2 ) : also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c A. ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information and any adverse items of convictions of crimes which antedates the report by more than XXXX years. 15 USC 1681s ( 2 ) A. XXXX. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. In addition, as per the Fair Credit Reporting Act ; 611. Procedure in case of disputed accuracy 15 U.S.C. 1681i ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required 611 - 15 U.S.C. 1681i 59 ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the XXXX period described in subparagraph ( A ) XXXX be extended for not more than XXXX additional days if the consumer reporting agency receives information from the consumer during that XXXX period that is relevant to the reinvestigation. 
( C ) Limitations on extension of period to reinvestigate. 
Subparagraph ( B ) shall not apply to any reinvestigation in which, during the XXXX period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. '' In accordance with the Fair Credit Reporting act, the list of accounts below has violated my rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX account number XXXX has violated my rights. " 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1682 Section 604 A ( 2 ) : also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c A. ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information and any adverse items of convictions of crimes which antedates the report by more than XXXX years. 15 USC 1681s ( 2 ) A. 1. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. In addition, as per the Fair Credit Reporting Act ; 611. Procedure in case of disputed accuracy 15 U.S.C. 1681i ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required 611 - 15 U.S.C. 1681i 59 ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the XXXX period described in subparagraph ( A ) XXXX be extended for not more than XXXX additional days if the consumer reporting agency receives information from the consumer during that XXXX period that is relevant to the reinvestigation. 
( C ) Limitations on extension of period to reinvestigate. 
Subparagraph ( B ) shall not apply to any reinvestigation in which, during the XXXX period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ''

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