Consumer complaint received 2024-12-27 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:
This letter serves as a formal Notice of Dispute regarding the inaccurate and unauthorized reporting of student loan accounts on my credit report. These accounts are in violation of the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). I request an immediate investigation into these matters and the removal of the accounts listed below.

Accounts in Dispute : U.S. Department of Education Reason for Dispute : The account is being reported without proper authorization to share my educational records or loan data. Under FERPA ( 20 U.S.C. 1232g ( b ) ), the unauthorized disclosure of my education records, including loan-related data, is prohibited unless explicit consent is provided. No such consent was given. Furthermore, the continued reporting of this account violates my privacy rights and misrepresents my financial standing.

U.S. Department of Education Reason for Dispute : The balance on this account is inaccurate and does not reflect the correct terms or status of the loan. Additionally, the reporting of this account constitutes an unauthorized disclosure of my educational records, violating FERPA. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers of information have a duty to ensure accuracy, and failure to meet this standard has caused harm to my creditworthiness.

Legal Basis for Dispute : Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g ( b ) : Protects the privacy of student education records and restricts unauthorized disclosures. The reporting of these accounts constitutes a violation of this federal law.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Mandates furnishers to provide accurate information to consumer reporting agencies.

15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to maintain procedures to ensure maximum possible accuracy of information.

15 U.S.C. 1681i : Establishes the right of consumers to dispute inaccuracies and requires CRAs to conduct reasonable investigations.

Demands : Conduct a thorough investigation into the accounts listed above within the statutory 30-day timeframe.

Remove or block the reporting of these accounts as they violate federal privacy and credit reporting laws.

Provide written confirmation of the actions taken, including the removal of these accounts from my credit report.

Failure to comply with your obligations under FERPA and the FCRA will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the U.S. Department of Education, and the Federal Trade Commission ( FTC ). I also reserve the right to pursue civil remedies under 15 U.S.C. 1681n and 15 U.S.C. 1681o.

Thank you for your immediate attention to this matter. I look forward to receiving written confirmation of the resolution.

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