Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX : Customer Relations XXXX XXXX XXXX XXXX, MO XXXX Subject : Notice of Violations and Request for Remediation Dear XXXX XXXX, I have sent XXXX a dispute via their online portal in XXXX of XXXX. XXXX has failed to investigate the information. XXXX information does not match up with Department of Education or XXXX XXXX XXXX. XXXX is in violation of the FCRA, FDCPA, and the FERPA Act. I continuously to reach out to this company about XXXX inaccurate accounts on my credit report, and they have failed multiple times to fix this issue or permanently delete this information. I want to make sure that I'm exercising my rights with good faith and clean hands, but I believe at this point I need to file a lawsuit because nothing is being done. I also spoke to XXXX today on XX/XX/XXXX and the agent XXXX and she stated her ID number was XXXX. XXXX told me that this Company has no dispute process so they will continue to negligently report with no disclosures. This is a serious problem, and I will not tolerate it no more. 

I am writing to express my deep concern and disappointment regarding multiple violations of federal laws by XXXX, the loan servicer handling my educational loan account. It has come to my attention that there have been significant breaches of the Privacy Act of XXXX, the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Family Educational Rights and Privacy Act ( FERPA ). 

Details of the Violations : Privacy Act of XXXX : XXXX has failed to uphold the provisions of the Privacy Act of XXXX by improperly handling and disclosing my personal information. This violation compromises the security and confidentiality of my sensitive data. 

Fair Credit Reporting Act ( FCRA ) : I have discovered inaccuracies on my credit report due to XXXX 's reporting practices. These inaccuracies have led to adverse effects on my credit standing, violating the FCRA 's provisions related to accurate reporting and dispute resolution. 

Truth in Lending Act ( TILA ) : XXXX 's actions have raised concerns about compliance with the TILA, particularly in providing accurate and transparent information about my loan terms, interest rates, and other pertinent details. 

Family Educational Rights and Privacy Act ( XXXX ) : XXXX has failed to safeguard the confidentiality of my educational records, violating the FERPA 's provisions that protect the privacy of student education records. 

Requested Action : I am requesting immediate remediation for the aforementioned violations. Specifically, I am seeking compensation in the amount of {$20000.00} for the emotional distress, financial hardship, and mental anguish caused by XXXX 's actions throughout the year XXXX. This amount is reflective of the cumulative impact on my credit report and overall well-being. 

Additionally, I expect XXXX to take the following corrective actions : Address Credit Report Inaccuracies : Review and rectify any inaccuracies on my credit report resulting from XXXX 's reporting practices. 

Enhance Privacy and Security Measures : Implement enhanced measures to safeguard the privacy and security of customer information, in adherence to the Privacy Act and XXXX. 

Provide Transparent Loan Information : Ensure compliance with TILA by providing clear and accurate information about loan terms, interest rates, and other relevant details. 

Documented Assurance of Compliance : Provide a written assurance that XXXX will take immediate steps to rectify these violations and establish protocols to prevent future breaches of federal laws. 

Failure to address these concerns within [ reasonable timeframe, e.g., 30 days ] will leave me with no choice but to pursue legal remedies available under the applicable federal laws. I trust that XXXX will treat this matter with the urgency and seriousness it deserves. 

Please direct any correspondence related to this matter to [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, [ Your Full Name ] I have sent XXXX a dispute via their online portal in XXXX of XXXX. XXXX has failed to investigate the information. XXXX information does not match up with Department of Education or XXXX XXXX XXXX. XXXX is in violation of the FCRA, FDCPA, and the FERPA Act. I continuously to reach out to this company about XXXX inaccurate accounts on my credit report, and they have failed multiple times to fix this issue or permanently delete this information. I want to make sure that I'm exercising my rights with good faith and clean hands, but I believe at this point I need to file a lawsuit because nothing is being done. I also spoke to XXXX today on XX/XX/XXXX and the agent XXXX and she stated her ID number was XXXX. XXXX told me that this Company has no dispute process so they will continue to negligently report with no disclosures. This is a serious problem, and I will not tolerate it no more. 



XXXX XXXX : Customer Relations XXXX XXXX XXXX XXXX, MO XXXX Subject : Notice of Violations and Request for Remediation Dear XXXX Customer Relations, I am writing to express my deep concern and disappointment regarding multiple violations of federal laws by XXXX, the loan servicer handling my educational loan account. It has come to my attention that there have been significant breaches of the Privacy Act of XXXX, the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Family Educational Rights and Privacy Act ( FERPA ). 

Details of the Violations : Privacy Act of XXXX : XXXX has failed to uphold the provisions of the Privacy Act of XXXX by improperly handling and disclosing my personal information. This violation compromises the security and confidentiality of my sensitive data. 

Fair Credit Reporting Act ( FCRA ) : I have discovered inaccuracies on my credit report due to XXXX 's reporting practices. These inaccuracies have led to adverse effects on my credit standing, violating the FCRA 's provisions related to accurate reporting and dispute resolution. 

Truth in Lending Act ( TILA ) : XXXX 's actions have raised concerns about compliance with the TILA, particularly in providing accurate and transparent information about my loan terms, interest rates, and other pertinent details. 

Family Educational Rights and Privacy Act ( FERPA ) : XXXX has failed to safeguard the confidentiality of my educational records, violating the FERPA 's provisions that protect the privacy of student education records. 

Requested Action : I am requesting immediate remediation for the aforementioned violations. Specifically, I am seeking compensation in the amount of {$20000.00} for the emotional distress, financial hardship, and mental anguish caused by XXXX 's actions throughout the year XXXX. This amount is reflective of the cumulative impact on my credit report and overall well-being. 

Additionally, I expect XXXX to take the following corrective actions : Address Credit Report Inaccuracies : Review and rectify any inaccuracies on my credit report resulting from XXXX 's reporting practices. 

Enhance Privacy and Security Measures : Implement enhanced measures to safeguard the privacy and security of customer information, in adherence to the Privacy Act and XXXX. 

Provide Transparent Loan Information : Ensure compliance with TILA by providing clear and accurate information about loan terms, interest rates, and other relevant details. 

Documented Assurance of Compliance : Provide a written assurance that XXXX will take immediate steps to rectify these violations and establish protocols to prevent future breaches of federal laws. 

Failure to address these concerns within [ reasonable timeframe, e.g., 30 days ] will leave me with no choice but to pursue legal remedies available under the applicable federal laws. I trust that XXXX will treat this matter with the urgency and seriousness it deserves. 

Please direct any correspondence related to this matter to - ( XXXX ) 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