Consumer complaint received 2024-02-19 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: TX

Complaint narrative:
NOTICE OF DISPUTE AND VIOLATION I DEMAND ACTION : REMOVE THE ERONEOUS ENTRY PURSUANT ALL THREE CREDIT REPORTS OR REMOVE THE ENTIRE ENTITY ALL RIGHTS RESERVED WITHOUT RECOURSE UCC1-308. PLEASE USE THIS LETTER AS CONFIRMATION THAT I AM PRESENTING TO YOU A FORMAL COMPLAINT AGAINST XXXX, XXXX XXXX is an American student loan servicer based in XXXX, XXXX. Managing nearly {$300.00} XXXX in student loans for more than XXXX XXXX debtors, the company was formed in XXXX by the split of XXXX XXXX into two distinct entities : XXXX XXXX XXXX  and XXXX. WHICH SUBSTANCIAL EMOTIONALLY AND MENTALLY FRUSTRATION AS OCCURRED DUE TO THEIR FRAUDALENT PRACTICES. 

XXXX. VIOLATION OF PRIVACY ACT 1974 The Privacy Act of 1974 provides that Any Federal, State, or local government agency which requests an individual to disclose his social security account number shall inform that individual whether that disclosure is mandatory or voluntary, by what statutory or other authority such number is solicited, 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 ( I NEVER GAVE WRITTEN OR VERBAL PERMISSION FOR MY SOCIAL SECURITY NUMBER TO BE GIVEN TO XXXX, A THIRD PARTY AGENCY ) by, or with the prior written consent of, the individual to whom the record pertains [ subject to XXXX exceptions ]. 5 U.S.C. 552a ( b ). ( PLEASE PROVIDE ME WITH MY CONSENT TO SHARE MY SOCIAL SECURITY WITH XXXX A THIRD-PARTY AGENCY ) Federal officials handling personal information are bound by the Privacy Act not to disclose any personal information and to take certain precautions to keep personal information confidential. Big Ridge , Inc. v. Fed. Mine Safety & Health Review Commn, 715 F.3d 631, 650 ( 7th Cir. 2013 ). A disclosure can be by any means of communication written, oral, electronic, or mechanical. See OMB Guidelines, 40 Fed. Reg. 28,948, 28,953 ( July 9, 1975 ), 2. VIOLATION OF FAMILY EDUCATIONAL RIGHTS AND PRIVACY ACT ( FERPA ) ACCORDING TO THIS AGREEMENT MY SCHOOL PROMISSED IN THE AGRREMENT NOT TO GIVE MY INFORMATION TO XXXX a THAT INCLUDED ALL CREDIT REPORTING AGENCIES AS WELL AS THIRD PARTY AGENCIES AND MY PRIVATE INFORMATION SUCH IMPORTANLY MY SOCIAL SECURITY NUMBER WAS SHARED AND MY PRIVATE CONTRACT WITH MY PERSONAL INFORMATION WAS SHARED WITH XXXX a public instrumentality and body politic and corporate of the State of XXXX  Established in 1981 pursuant to the Authorizing Act ( 1 ), The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. 
XXXX. VIOLATION OF FAIR CREDIT REPORTING ACT ( FCRA ) ERRONOUS CREDIT REPORTING AND INACCURATE INFORMATION COMPLETELY IGNORED XXXX : my account was opened XX/XX/XXXX closed XX/XX/XXXX. 
XXXX : my account was opened XX/XX/XXXX closed XX/XX/XXXX. 
Experian : my account was open XX/XX/XXXX closed ( nothing reported as if it is still open ) INACCURATE INFORMATION : XXXX, XXXX, EXPERIAN IS OBLIGATED BY FCRA TO REPORT ACCURATE ACCOUNTING. CONSUMER HAS ADVISED ALL LATE PAYMENTS BE REMOVED OR COMPLETELY REMOVE THE ACCOUNT AS ALL THE ENTRIES ARE INACCURATE, YOU HAVE 14 DAYS TO TAKE ACTIONS OR PROVIDE ME THE INFORMATION STATED ACCURATE INFORMATION ON MY ACCOUNT AND THE PROOF THE INFORMATION IS ACCURATE SINCE YOU ARE REPORTING IT. IT MUST XXXX THE SAME AMONG ALL REPORTS. 
XXXX : I was reported 120 days past due, but all the previous months is showing paid as agreed ok. there was no indication of 30 days, 60 days, OR 90DAYS. 
XXXX : 120days past due with no indication the previous month of 30, 60, 90 days late pay and, on the report, it indicated i was 90 days past due XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
EXPERIAN : 180 days past due and again on the report the previous month indicated ok paying as agreed. and only show a 90 past due XX/XX/XXXX HOW CAN I POSSIBLY BE ON-TIME ONE MONTH AND THE VERY NEXT MONTH BE XXXX  PAST DUE, IT DOESNT MAKE SINCE AND IS INACCURATE. HOW CAN 2 BUREAUSE INDICATE ONLY ONE MONTH BEING LATE AND THE OTHER 1 HAVE SEVERAL. 


INACCURATE INFORMATION : XXXX, XXXX, EXPERIAN IS OBLIGATED BY FCRA TO REPORT ACCURATE ACCOUNTING. CONSUMER HAS ADVISED ALL LATE PAYMENTS BE REMOVED OR COMPLETELY REMOVE THE ACCOUNT AS ALL THE ENTRIES ARE INACCURATE, YOU HAVE 14 DAYS TO TAKE ACTIONS OR PROVIDE ME THE INFORMATION STATED ACCURATE INFORMATION ON MY ACCOUNT AND THE PROOF THE INFORMATION IS ACCURATE SINCE YOU ARE REPORTING IT. 

I AM REQUESTING THAT YOU FURNISH A REPORT OR COMPLETE A THOROUGHLINVESTIGATION AND PROOF THAT I WAS LATE AND A COPY OF THE PAYMENTS PRIOR TO AND AFTERWARDS FOR ACCURACY AS THIS INFORMATION IS BEING FURNISHED TO ALL THE THREE CREDIT BUREAUS, WHAT INFORMATION OR PROOF ARE YOU PROVIDING THEM, PLEASE PROVIDE THAT INFORMATION. 

PER 623 FCRA ( STIPULATION FOR REQUIREMENTS LISTE BELOW ) ( b ) Duties of Furnishers of Information upon Notice of Dispute ( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly 96 623 - 15 U.S.C. 1681s-2 ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information I am requesting a resolution in this claim to include FULL-ACCOUNTING ( XXXX ) ALL LATE PAYMENTS BE REMOVED IMMEDIATELY AS I HAVE SHOWN YOU THE INFORMATION IS INCORRECT TO SHOWING ON ALL XXXX CREDIT BUREAUS TO PAID IN FULL AND PAID AS AGRRED WITHIN 14 DAYS AND YOU PROVIDED ME KNOW EVIDENCE OF ACCURACY IN THE PAST, AS YOU DID SELL MY SECURITY THAT I AM THE SURETY FOR MONETARY GAINS TO A THIRD PARTY VENDOR WITHOUT ANY NOTIFICATION OR 2. ) COMPLETELY REMOVE THE ACCOUNT FROM MY REPORT BECAUSE YOU ARE REPORTING INACCURATE INFORMATION BETWEEN THE 3 REPORTS WHICH IS A CLEAR VIOLATION OF MY RIGHTS FROM CLOSING OF ACCOUNT TO LATE PAYMENTS ( 3 ) MONETORY COMPENSATION FOR MENTAL AND EMOTIONAL FRUSTRATION OF {$500000.00} ( FIVE-HUNDRED THOUSAND DOLLARS AND ZERO CENT ) AS THIS HAS BEEN GOING ON FOR MORE THAN2YRS WITH THE DISCREPANCY I will assert HIGHER AUTHORITY OF THIS FRAUD IF AN unfavorably outcome IS MET and I will sue for more AND REQUESTING A 211 TREASURY AUDIT IF YOU FAIL TO PROVIDE THE INFORMATION FOR ACCURACY. THESE CREDIT BUREAUS ARE SECURITIZING CONSUMER DATA AND ENOUGH IS ENOUGH.

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