Consumer complaint received 2025-09-03 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: MI

Complaint narrative:
Subject : Formal Demand for Removal of Student Loan Account ( s ) Based on Violations of Federal Law and Failure to Comply with Proper Verification Requirements To the Supervisor of the Department : This letter serves as a formal dispute and opt-out notice pursuant to the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S. Code 6801-6809, and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq.. It is also a demand for deletion of the following student loan account ( s ) due to a failure to provide proper legal authorization, verification, and disclosure.

Violation of Privacy and Disclosure Requirements ( GLBA ) Per 15 U.S. Code 6802, financial institutions are prohibited from sharing nonpublic personal information with nonaffiliated third parties including credit bureaus without giving the consumer clear and conspicuous notice and the ability to opt-out. At no time was I provided : Clear written notice that my nonpublic personal information would be reported to credit bureaus. 
An opportunity to opt out of this data sharing. 
An explanation of how to exercise my opt-out rights. 
Because this requirement was not met, the transmission of my personal and financial data to any consumer reporting agency is unauthorized and unlawful. You are hereby instructed to permanently cease and desist from sharing or reporting any of my account history or personal information related to these student loans. 
Violation of FCRA Incomplete and Inaccurate Reporting Under 15 U.S.C. 1681i ( a ) and 1681s-2, you are legally obligated to conduct a reasonable investigation upon receiving a dispute. Furthermore, you are required to verify the accuracy of the data by obtaining documentation from the original creditor or furnisher of the account. 
This includes physical verification of an original, signed Promissory Note, not a digital or reproduced version, to validate that : I legally entered into a financial agreement. 
The reporting party has lawful standing to collect, report, or assign this alleged debt. 
The account is not fraudulent, inaccurate, or unlawfully reported. 
If you can not produce original signed contracts and documentation proving the legal basis for reporting, you are required to remove the account immediately under federal law. 
Account to be Deleted I am disputing the following account and demanding its deletion : Account Name/Servicer : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Explanation : This account was reported without valid authorization, legal verification, or proper consumer disclosure under the Gramm-Leach-Bliley Act and Fair Credit Reporting Act. The Promissory Note has not been provided, and the information reported is both incomplete and potentially fraudulent.

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