Consumer complaint received 2024-07-25 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: AZ

Complaint narrative:
According to the Family Educational Rights and Privacy Act ( FERPA ) of 1974, ( 20 USC 1232g ), it states Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : o School officials with legitimate educational interest ; o Other schools to which a student is transferring ; o Specified officials for audit or evaluation purposes ; o Appropriate parties in connection with financial aid to a student ; o Organizations conducting certain studies for or on behalf of the school ; o Accrediting organizations ; o To comply with a judicial order or lawfully issued subpoena ; o Appropriate officials in cases of health and safety emergencies ; and o State and local authorities, within a juvenile justice system, pursuant to specific State law. 
Schools may disclose, without consent, " directory '' information such as a student 's name, address, telephone number, date and place of birth, honors and awards, and dates of attendance. However, schools must tell parents and eligible students about directory information and allow parents and eligible students a reasonable amount of time to request that the school not disclose directory information about them. Schools must notify parents and eligible students annually of their rights under FERPA. The actual means of notification ( special letter, inclusion in a PTA bulletin, student handbook, or newspaper article ) is left to the discretion of each school. 
Third party agencies, such as Experian, XXXX and XXXX, are not apart of the list of who FERPA allows schools to disclose students records to, therefore my records from any schools should not be on my credit report because I did not consent. What I now consent to is for all of my student loans on my report to be updated to PAID AS AGREED AND NEVER LATE. According to 15 USC 1681 ( d ) ( 2 ) Exclusions ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Transaction history on a credit report is illegal. Every credit account on my Experian, XXXX and XXXX report needs to be updated to PAID AS AGREED and NEVER LATE. According to 15 USC 1681n Civil liability for willful noncompliance, it states any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I am the consumer and the consumer reporting agencies hold my consumer report. There are several violations on my report and removals of items to prove the violation. I have attached the dispute report from Experian and therefore there is a {$1000.00} charge for every violation. Based off each violation, plus defamation of my character, suffering emotional damage, and distressed I have also attached a {$300000.00} invoice to Experian. According to 15 USC 1681a states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am the consumer and Experian is the consumer reporting agency. I have a right to my privacy and to make sure my information isnt shared. 15 USC 6801 states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX XXXX and XXXX XXXX are financial institutions. 15 USC 1681b ( a ) states in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Experian, the consumer reporting agency and the financial institutions, XXXX XXXX XXXX XXXX and XXXX XXXX, do not have my written consent to furnish any information. Any and all written, non-written, verbal, and non-verbal consent to Experian, XXXX XXXX XXXX XXXX and XXXX XXXX that may have been implied has been revoked. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) states 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. 15 USC 1681e ( a ) states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports to the purpose listed under section 1681b of this title. Experian is not maintaining reasonable procedures according to this title. According to 15 USC 6802 ( b ) ( 1 ) it states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never informed of my right to exercise the nondisclosure option by XXXX XXXX XXXX XXXX or XXXX XXXX.

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