Consumer complaint received 2024-02-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Per the FCRA as a federally protected consumer I XXXX XXXX, am now opting out any & all authorization as I the consumer may have given written, unwritten, verbal & non verbal per XXXX USC XXXX Obligations with respect to disclosures ofpersonal information, XXXX Form of opt out notice to consumers ; opt out methods, with said company XXXX U.S. DEPARTMENT The Family Educational Rights andPrivacy Act ( FERPA ) ( XXXX U.S.C. XXXXg ; XXXX CFR Part XXXX ) is a Federal law that protectsthe privacy of student education records. The law applies to all schools that receivefunds under an applicable program of the U.S. Department of Education. FERPAgives parents certain rights with respect to their children 's education records. These rights transfer to the student when he or she reaches the age of XXXX or attends aschool beyond the high school level. Students to whom the rights have transferredare " eligible students. '' Generally, schools must have written permission from theparent or eligible student in order to release any information from a student 'seducation record. However, XXXX allows schools to disclose those records, withoutconsent, to the following parties or under the following conditions ( XXXX XXXX XXXX ) : School officials with legitimate educational interest ; Other schools to which a studentis transferring ; Specified officials for audit or evaluation purposes ; Appropriateparties in connection with financial aid to a student ; Organizations conductingcertain studies for or on behalf of the school ; Accrediting organizations ; To complywith a judicial order or lawfully issued subpoena ; Appropriate officials in cases XXXX and XXXX emergencies ; and XXXX and local authorities, within a juvenilejustice system, pursuant to specific State law. Schools may disclose, without consent, " directory '' information such as a student 's name, address, telephone number, dateand place of birth, honors and awards, and dates of attendance. However, schoolsmust tell parents and eligible students about directory information and allow parents and eligible students a reasonable amount of time to request that the school notdisclose directory information about them. Schools must notify parents and eligiblestudents annually of their rights under XXXX. The actual means of notification ( special letter, inclusion in a PTA bulletin, student handbook, or newspaper article ) isleft to the discretion of each school. Based on the said laws & codes I exercise myrights as an consumer because my personal information is being used unlawfully.Further his is now a " XXXX '' considered a certificate of indebtedness per theIRS and income can not be reported. The IRS Clearly defines a charge off as Gross orOrdinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided ascreenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debtor Charge off is Income. The reporting of this account as a debt is inaccurate & unlawful. As well as sharing or selling my personal student loan info per the TheFamily Educational Rights and Privacy Act ( FERPA ) ( XXXX  XXXXXXXX XXXXg ; XXXX  XXXX  Part XXXX  ). The XXXXC, which was sent to NELNET last year in XXXX  also proves that this is discharged, so why is it still on my consumer report?

Company response to consumer: Closed with non-monetary relief