Consumer complaint received 2025-01-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX PHL, XXXX Subject : Violation of Consumer Rights Under FCRA and Request for Immediate Correction Dear Experian XXXX  I am writing to address a concerning issue regarding my student loan account. As a consumer, I am entitled to certain rights under the Fair Credit Reporting Act ( FCRA ), and I believe these rights have been violated in relation to my account. The following laws directly apply to the situation : 15 U.S.C. 1681, Section 602 A : This section grants me the right to privacy, ensuring that my personal information is handled responsibly and with my consent. 
15 U.S.C. 1681, Section 604 A, Section 2 : A consumer reporting agency is prohibited from furnishing any account information without my written instructions. To date, I have not provided consent for the release of my account information to any consumer reporting agency. 
15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may include any adverse information on my credit report that predates the report by more than seven years. If such information has been included, it would be in violation of this provision.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : It is unlawful for any person to furnish information to a consumer reporting agency if they know, or should know, that the information is inaccurate. I believe that the information provided to the credit reporting agencies related to my account may be inaccurate, and I request that it be reviewed and corrected.

Due to the potential violation of these rights, I am requesting that the following actions be taken : Immediate review and removal of any inaccurate information on my account that has been reported to any consumer reporting agency.

A formal investigation into the unauthorized release of my account information without my written consent. 
Confirmation that my rights under the FCRA, as outlined above, have been fully adhered to, and that any further violations will be rectified. 
Please provide a response within 30 days of receiving this letter, as required under the FCRA. Should this issue not be resolved, I will consider pursuing further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and taking legal steps to protect my rights. 

Thank you for your immediate attention to this matter. I look forward to your prompt resolution of these concerns. 

I would like to get the following removed STUDENT LOANS DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$2100.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$1600.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$1000.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$1800.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$1800.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$1100.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$3700.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$2100.00} Needs Attention 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