Consumer complaint received 2025-05-06 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: OH

Complaint narrative:
b'I would like you to conduct an investigation for me to make certain that everything is accurateXXXX XXXX XXXX XXXX XXXX XXXX The date of my last payment is reporting incorrectly - 15 U.S. Code  1666b - Timing of payments (a)Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637(b) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Furnishing this information is also a violation of thePrivacy Act of 1974 ( 5 U.S. Code  552a )(b)Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be  (12)to a consumer reporting agency in accordance with section 3711(e) of title 31.  Again they need prior written instruction of the individual to whom it relates.XXXX XXXX XXXX XXXX The date of my last payment is reporting incorrectly - I am writing to formally dispute the handling of my XXXXXXXX  loan account in relation to violations of my rights under the Family Educational Rights and Privacy Act (FERPA) and my rights as a borrower. Specifically, I am citing 20 U.S. Code  1232g and 34 CFR Part 99, which govern the privacy and disclosure of student records.It has come to my attention that XXXX XXXX XXXX servicer and/or the Department of Education may have improperly disclosed, accessed, or misused my personally identifiable information (PII) without my express consent, in direct violation of FERPA. Under 20 U.S. Code  1232g and 34 CFR Part 99, any disclosure of my educational records without proper authorization is unlawful unless an exception applies. I am requesting an immediate investigation into the handling of my records to determine whether unauthorized disclosures or misuses have occurred.Additionally, I believe that my rights as a borrower have been infringed upon through improper servicing practices, lack of transparency in loan communications, or other regulatory violations. I am requesting:1. A detailed explanation of all disclosures made regarding my XXXX  loan account, including who accessed my records and under what authority.2. A full review of my loan servicing history to ensure compliance with borrower protections and disclosure requirements.3. Immediate corrective action, if violations are\n\n1 of 4 found, including potential redress for any harm caused.4. Written confirmation that my dispute has been received and will be investigated in accordance with Department of Education policies.Failure to adequately address this issue may result in further action, including a formal complaint with the Family Policy Compliance Office (FPCO) and any other relevant oversight agenciesXXXX XXXX XXXX XXXX - Please verify if this belongs to me. - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt in fact existsXXXX XXXX XXXX XXXX XXXX  - Please verify if this belongs to me. - I have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 719. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists.XXXX XXXX XXXX XXXX XXXX The date of my last payment is reporting incorrectly - I am writing to formally dispute the accuracy of late payment information reported on my credit report. Under 15 U.S.C.  1681i, I am exercising my right to dispute inaccurate or incomplete information. The reported late payments are incorrect, and I request an immediate investigation and removal of this inaccurate information from my credit file.In accordance with 15 U.S.C.  1681e(b), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy in the information they report. The continued reporting of these late payments, despite their inaccuracy, constitutes a violation of this standard. Furthermore, 15 U.S.C.  1681c prohibits the inclusion of obsolete information, and I believe the reported items may fall under this category. Additionally, under 15 U.S.C.  1692e, I am protected against false or misleading representations regarding the character, amount, or legal status of a debt.XXXX XXXX XXXX  - The date of my last payment is reporting incorrectly - 15 U.S. Code  1666b - Timing of payments (a)Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637(b) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Furnishing this information is also a violation of thePrivacy Act of 1974 ( 5 U.S. Code  552a )(b)Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be  (12)to a consumer reporting agency in accordance with section 3711(e) of title 31.  Again they need prior written instruction of the individual to whom it relates.XXXX XXXX XXXX XXXX  The date of my last payment is reporting incorrectly - I am writing to formally dispute the handling of my XXXX loan account in relation to violations of my rights under the Family Educational Rights and Privacy Act (FERPA) and my rights as a borrower. Specifically, I am citing 20 U.S. Code  1232g and 34 CFR Part 99, which govern the privacy and disclosure of student records.It has come to my attention that my XXXX1 of 4 loan servicer and/or the Department of Education may have improperly disclosed, accessed, or misused my personally identifiable information (PII) without my express consent, in direct violation of FERPA. Under 20 U.S. Code  1232g and 34 CFR Part 99, any disclosure of my educational records without proper authorization is unlawful unless an exception applies. I am requesting an immediate investigation into the handling of my records to determine whether unauthorized disclosures or misuses have occurred.Additionally, I believe that my rights as a borrower have been infringed upon through improper servicing practices, lack of transparency in loan communications, or other regulatory violations. I am requesting:1. A detailed explanation of all disclosures made regarding my XXXX loan account, including who accessed my records and under what authority.2. A full review of my loan servicing history to ensure compliance with borrower protections and disclosure requirements.3. Immediate corrective action, if violations are found, including potential redress for any harm caused.4. Written confirmation that my dispute has been received and will be investigated in accordance with Department of Education policies.Failure to adequately address this issue may result in further action, including a formal complaint with the Family Policy Compliance Office (FPCO) and any other relevant oversight agenciesXXXX XXXX XXXX XXXX  - Please verify if this belongs to me. - I have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt in fact XXXX XXXX XXXX XXXX XXXX Please verify if this belongs to me. - I have not supplied proof under the doctrine of estoppel by silence, EXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt in fact existsXXXX XXXX XXXX XXXX XXXXXXXX XXXXEXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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