Consumer complaint received 2025-05-01 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: NY

Complaint narrative:
I am writing to file a formal complaint against XXXX for the unlawful and inaccurate reporting of a student loan account in the amount of {$14000.00}, currently appearing on my credit report without proper authorization, lawful basis, or compliance with applicable federal statutes. The account number ends in XXXX. 

SUMMARY OF ISSUES : Lack of Valid Contractual Relationship with the Debt Collector : I have never contracted or entered into any agreement with DeptEndelNet. 

I am the holder of the original note and was never informed or consented to any sale or assignment of this account to any third-party collector. 

There has been no verifiable documentation provided to show any legal transfer of the obligation. 

Unlawful Reporting Practices : The reporting of this alleged debt as a collection account without proper verification, consent, or notice is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. 

The consumer reporting agencies ( Experian, XXXX XXXX XXXX  are furnishing information without ensuring its accuracy or obtaining proper documentation. 

This account is being reported in a way that is misleading and damaging to my credit standing. 

Violations of the Privacy Act of 1974 ( 5 U.S. Code 552a ) : My personal and financial records have been disclosed without my written consent. 

Under 5 U.S.C. 552a ( b ), no agency shall disclose any record contained in a system of records by any means of communication to any person or to another agency, except with the prior written consent of the individual to whom the record pertains. No such consent was given. 

Disclosure to a consumer reporting agency is only allowed under specific, limited exceptions, which have not been met. 

Violations of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S. Code 6801-6809 and Regulation P ( 12 CFR Part 1016 ) : There has been no privacy notice provided, and I have not received any opportunity to opt-out of disclosure to nonaffiliated third parties. 

Financial institutions are required to provide clear and conspicuous privacy notices before disclosing nonpublic personal information. This was not done. 

Damages and Remedies Sought : Under the FCRA, each willful violation entitles me to statutory damages of up to {$1000.00} per violation ( 15 U.S. Code 1681n ). 

I seek immediate deletion of this account from my credit reports. 

I request a complete investigation and explanation from both XXXX and the consumer reporting agencies. 

I also reserve my right to pursue further legal action if this issue is not resolved promptly. 

Please investigate this matter and confirm deletion of the account from my consumer reports immediately. 

Sincerely, [ XXXX 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