Consumer complaint received 2024-11-10 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: HI

Complaint narrative:
Request to Remove Student Loans from Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally request the removal of certain student loan accounts from my credit report under provisions of the Family Educational Rights and Privacy Act ( FERPA ) ( 20 USC 1232g ) and the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ).

1. FERPA and Privacy of Student Records : FERPA protects the privacy of student education records and restricts unauthorized disclosures. Upon reviewing my credit report, it appears that my student loan information has been disclosed to credit reporting agencies in a manner that may violate FERPA. To comply with FERPA, I request : - An investigation because student loan information was di
sclosed without appropriate consent.

- Immediate removal of any disclosed student loan information from my credit report.

2. FCRA and Consumer Privacy : Under 15 USC 1681 section 602 ( a ), consumer reporting agencies are obligated to handle consumer information with fairness, impartiality, and respect for privacy. Furthermore : - 15 USC 6801 states financial institutions must respect the privacy and confidentiality of customer information.

- 15 USC 1681 section 604 ( a ) ( 2 ) specifies that consumer reporting agencies may only furnish a consumer report with written consent from the consumer. I have not, and do not, provide such consent. 

I hereby revoke any implied, verbal, or written consent previously granted for the furnishing of my private information. Additionally, under 15 USC 6802 ( b ) ( c ), financial institutions must provide consumers with an option to opt out of the disclosure of nonpublic personal information. I was never informed of this option and now formally exercise my right to opt out.

3. Inaccuracy and Adverse Reporting : - 15 USC 1681c ( a ) ( 5 ) prohibits the reporting of adverse information that antedates the report by more than seven years unless specifically authorized under subsection ( b ). Any adverse student loan information on my credit report violates this provision.

- 15 USC 1681s-2 ( A ) ( 1 ) ( A ) prohibits entities from furnishing information they know or have reasonable cause to believe is inaccurate.

- 15 USC 1681e requires credit reporting agencies to maintain procedures to ensure compliance with laws and avoid unauthorized furnishing of consumer reports.

4. Opt-Out Rights : According to 12 CFR 1016.7, I have the right to opt out of consumer reporting services at any time. I am formally opting out of the reporting of my private information by XXXX, Experian, or any other credit reporting agency.

5. Action Requested : I respectfully request : 1. A review of the accounts in question to determine compliance with FERPA, FCRA, and other applicable laws.

2. The removal of all reported student loan information from my credit report.

3. Written confirmation of the actions taken in response to this letter. 

Please direct all correspondence regarding this matter to my mailing address listed above. I will not accept phone calls or electronic communication. If this matter is not resolved within 30 days, I reserve the right to pursue further legal remedies. 

Thank you for your attention to this matter. 

Sincerely, 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