Consumer complaint received 2024-05-15 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:
In XXXX of 2008 to XX/XX/scrub>XXXX  2008, I was enticed to enroll in XXXX XXXX XXXX XXXX which is actually known as XXXX XXXX XXXX XXXX XXXX through promises made regarding the Federal Pell Grant program . I was misled by the institution 's representatives, who utilized aggressive recruitment tactics and provided false information about the entity name, benefits, and costs associated with the programs. Specifically, I was assured that I would receive sufficient financial aid through the Federal Pell Grant program to cover the expenses of my education.

However, upon enrolling in the program, I quickly realized that the reality was starkly different from what was promised. The institution failed to deliver the quality education and support services that were advertised during the recruitment process. Additionally, I was burdened with significant financial obligations, including promissory note agreements with Federal Family Education Loan ( FFEL ) Program, Default Resolution Group ( DRG ), and XXXX-official services of Federal Student Aid. 
It has become evident to me that XXXX XXXX XXXX XXXX XXXX engaged in deceptive practices to induce me into enrolling in their programs, thereby causing me financial harm and burdening me with student loan debt that I am unable to repay. 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 : Federal Family Education Loan ( FFEL ) Program, Default Resolution Group ( DRG ), and XXXXofficial services of Federal Student Aid of account numbers : 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 seven 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 ( 5 ), before the end of the 30-day 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 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day 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 30-day 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. Reporting 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 seven 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 ( 5 ), before the end of the 30-day 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 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day 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 30-day 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