Consumer complaint received 2025-02-18 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: CA

Complaint narrative:
I am writing to demand the immediate removal of the following disputed student loan accounts from my credit report due to a clear violation of the Family Educational Rights and Privacy Act ( FERPA ) and the unauthorized access and exploitation of my personal and financial data : XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX This is not the first time I have disputed these accounts. I have previously filed disputes directly with you and through the Consumer Financial Protection Bureau ( CFPB ). Your continued failure to properly investigate and remove these accounts constitutes willful noncompliance with federal consumer protection laws. 
Violation Details Unauthorized Access by XXXX XXXX and XXXX XXXX XXXX  ) My private student loan records were illegally accessed and used by XXXX XXXX, a third-party vendor with no legal authority to obtain or process student financial records. 
This breach of my data was connected to XXXX ( XXXX ) transactions and online activities where student financial records were exposed, analyzed, and exploited without my consent. 
The improper sharing of my student loan information directly violates FERPAs confidentiality protections and renders any related financial obligations invalid.

Legal Violations Supporting Immediate Deletion 1. Violation of FERPA ( 20 U.S.C. 1232g ) FERPA explicitly prohibits unauthorized third-party access to student educational and financial records. 
My data was improperly accessed, making the entire loan obligation legally voidable.

2. Violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) The FCRA mandates that all reported accounts be accurate, verifiable, and lawfully obtained. 
These student loan accounts were maintained through unauthorized access and fraudulent activity, rendering their presence on my credit report illegal and actionable. 
Failure to act on prior disputes makes you complicit in the continued reporting of unlawful and fraudulent data.

3. Violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) Any further collection, reporting, or verification of these accounts constitutes fraudulent and deceptive business practices.

Under the FDCPA, knowingly reporting fraudulently obtained loan accounts subjects all parties involved to civil liability and damages.

Formal Demand for Immediate Action 10-Day Deadline Due to your previous failure to act, I am now demanding immediate compliance within 10 days of receipt of this letter.

You must take the following actions immediately : 1. Conduct an urgent review and permanently delete the above-listed student loan accounts from my credit report.

2. Cease all reporting of these accounts to any credit bureau or financial institution.

3. Provide written confirmation that these accounts have been permanently deleted.

4. Furnish a revised credit report reflecting the removal of these disputed accounts. 
Failure to Comply Legal Consequences If these accounts are not permanently removed within 10 days, I will take the following immediate actions : File additional formal complaints with the CFPB, FTC, XXXXXXXX XXXX XXXX XXXX, and the State Attorney Generals Office for gross negligence and willful violations of FERPA and FCRA.

Pursue legal action against all responsible parties for fraudulent data reporting, willful misrepresentation, and unauthorized data access with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
Seek full monetary damages for negligent and fraudulent credit reporting practices, which have caused financial harm. 
Final Notice No Further Warnings Will Be Given This letter serves as formal legal notice of your obligation to act. If I do not receive written confirmation of the permanent removal of these accounts within 10 days, legal proceedings will commence immediately.

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