Consumer complaint received 2024-06-25 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: MS

Complaint narrative:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to anyone listed below written, unwritten, verbal, and nonverbal per 15 USC 6802. I am invoking my rights under 15 USC 6802 to opt out of the disclosure of my information.

The following items listed below are all in violation of my privacy rights under the Family and Education Privacy Act of 1974, Privacy Rights Act of 1974, also 15 USC 6801, 15 USC 6805 and 15 USC 6802 obligation to disclosure of personal Information. When I signed for my student loan it said it wouldn't provide my information to anyone and doing so it is in violation of my rights. 

XXXX XXXX, EXPERIAN, XXXX, AND XXXX, XXXX should be penalized for there unlawful actions violating my rights, all are guilty of either reporting or disclosing my information. I Have attached a report of my credit report from all 3 bureaus and you will be able to see the proof of discrepancy within the credit bureaus that is being reported on my credit file of my personal information dealing with a student loan from XXXX XXXX. XXXX XXXX provided all credit bureaus with this information which is fraud and unlawful under the Family and Education Privacy Act of 1974. All the credit bureaus are reporting different dates of accounts being open, different payment history, different account balances, all inaccurate reporting violating 15 USC 1681. Each violation is subject to {$1000.00} fine per violation made by each party involved. I demand that XXXX XXXX cease all disclosure of my personal information to any account affiliated with my name. I also demand that EXPERIAN, XXXX, AND XXXX all cease reporting of all accounts listed below affiliated with XXXX XXXX, I demand all late payments be removed, I also demand that all balances be updated to a {$0.00} ( XXXX ) BALANCE, and also all remarks removed. Everything stated above is in correspondence to the law, and I have provided codes and statues for reference. If this matter is not resolved immediately I will seek legal suit and demand compensation for the violation of my rights from XXXX XXXX, EXPERIAN, XXXX, AND XXXX. All accounts and balances are listed below as well as an attachment with this complaint of my most recent credit report. 

XXXX XXXX XX/XX/XXXX with a reporting balance of {$79000.00} and also XXXX XXXX XX/XX/XXXX XXXX reporting as late payments by EXPERIAN, XXXX, AND XXXX XXXX Completely in violation of 15 USC 1681 inaccurate reporting, 15 USC 6801 illegal to report transaction history, 15 USC 6802 disclosure of personal information. I signed a privacy agreement with this student loan that they wouldn't disclose my information to a third party company, EXPERIAN, XXXX, AND XXXX are third party companies, therefore illegal to report to my credit file under the Family and Education Privacy Act of XXXX. XXXX XXXX can't disclose my information, also EXPERIAN, XXXX, AND XXXX can't report it. They both owe for compensation. 

IF ANYONE ABOVE FELLS THAT INFORMATION IS CORRECT PLEASE PROVIDE ME WITH PROOF OF MY WRITTEN CONSENT TO DISCLOSE MY PERSONAL INFORMATION PERTAINING TO THAT CORRESPONDING ACCOUNT.

THANK YOU DEARLY FOR YOUR TIME. MAY GOD BLESS YOU.

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