Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally disputing three XXXX XXXX XXXX that are currently being reported on my credit report. These accounts were not authorized by me and are either the result of identity theft, unauthorized use of my personal and financial information, or administrative/servicing errors. I have submitted a formal FTC Identity Theft Report, and I am invoking my rights under : Fair Credit Reporting Act ( FCRA ) 605B, 611, and 607 ( b ) XXXX XXXX Reporting Guidelines UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) standards FERPA, to the extent my student records and financial data were disclosed or mishandled without authorization.

1. FCRA 607 ( b ) : Inaccurate and Misleading Reporting The reported payment history includes a sudden jump from Current to 90 Days Late with no intermediate 30 or 60-day late reporting. This violates XXXX XXXX credit reporting sequence protocols and constitutes materially misleading reporting, in direct violation of FCRA 607 ( b ) and relevant case law.

2. FCRA 611 ( a ) : No Proper Investigation or Validation I formally disputed these tradelines but have never received validation, such as : A signed Master Promissory Note ( MPN ) A full chain of custody/assignment of the contract Billing ledgers or transaction logs confirming disbursement and repayment Reporting these tradelines without substantiating ownership or benefit constitutes willful noncompliance and a failure to meet furnisher investigation obligations under 15 U.S.C. 1681s-2 ( b ).

3. FCRA 605B : Identity Theft Protections Violated I submitted an FTC Identity Theft Report, and by law, the credit bureaus must block reporting of fraudulent accounts within XXXX business days of receiving proper documentation. These tradelines remain on my report in violation of 605B, and their continued reporting is noncompliant and unlawful.

4. UDAAP Violations The loan servicers and credit reporting agencies are engaging in unfair, deceptive, or abusive acts by knowingly furnishing and verifying unverifiable information. This is especially harmful given the nature of student loan debt and its long-term impact on access to housing, credit, and employment.

5. Potential FERPA Violation If my student loan and personal financial data were disclosed or transferred during servicing changes or breaches without my informed consent, that may also constitute a violation of FERPA protections over educational records.

6. No Standing or Legal Ownership of the Debt The original lenders no longer exist, and no clear assignment of debt has been provided. A party can not legally furnish data or collect debt they can not prove they legally own. This calls into question the legal standing of the servicers to report these accounts.

As a result, these three accounts are being reported : Without validation In violation of XXXX XXXX and FCRA With substantial material harm to my creditworthiness I request the immediate deletion of all three tradelines, regulatory review of the data furnishers compliance practices, and full enforcement action for all applicable legal violations.

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