Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Unauthorized Disclosure of Personal Information, FCRA & GLBA Violations, and Ongoing Credit Reporting Issues Related to Pending Borrowers Defense To Whom It May Concern : I am contacting you to raise serious concerns about multiple violations of federal privacy and credit reporting lawsstemming from MOHELA 's actions related to my student loan servicing.

I recently discovered that confidential loan servicing documents containing personal information were mailed to an address where I have never resided. This mail was opened and exposed, resulting in the unauthorized disclosure of my Social Security number, loan details, and private data. When I contacted MOHELA to investigate, your representative was unable to explain how or why that address was associated with my account.

This is unacceptable, unlawful, and poses a serious threat to my personal safety, identity, and credit profile. It further compounds the harm already caused by the XXXX data breach, to which I am also a victim. 

Unauthorized Disclosure GLBA & FCRA Violations MOHELAs misrouting of sensitive correspondence constitutes a violation of : * Gramm-Leach-Bliley Act ( GLBA ) 501 ( b ) Failure to protect customer records and prevent unauthorized disclosure * FCRA 604 & 609 ( a ) ( 1 ) Furnishing information to unauthorized third parties and failing to provide clear documentation to the consumer * FERPA, if any educational details were included in the communication You have a legal obligation to protect my personal and financial information. Sending it to an incorrect, unverified address without explanation is a direct violation of federal consumer protection and data privacy laws.

Additional FCRA Violations Credit Reporting I am also a pending applicant under the Borrowers Defense to Repayment lawsuit ( XXXX XXXX XXXXXXXX ). Despite notifying the credit bureaus over a year ago, and the Department of Education 's clear guidance to halt negative reporting of disputed student loan accounts, XXXX continues to : * Report my loan balances as active or in repayment * List the status as Pays as agreed, Indeterminate, or Transferred across bureaus * Allow multiple duplicate entries, some under XXXX and some under DOFED or XXXX XXXX XXXX, falsely inflating my total reported debt * Verify disputed data to credit bureaus despite my clear legal status and disputes These actions violate : * FCRA 623 ( a ) ( 1 ) ( A ) Reporting inaccurate information * FCRA 611 ( a ) Failure to conduct a proper reinvestigation * FCRA 623 ( a ) ( 2 ) Failure to correct previously disputed data * Specific Complaints : 1. Mail sent to wrong address, opened and unsecure 2. No explanation provided by your staff 3. Failure to suppress or correct student loan credit data 4. False verification of disputed items with credit bureaus 5. Duplicate, inflated student loan entries 6. Ongoing harm despite Borrowers Defense pending status

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