Consumer complaint received 2025-01-16 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: CO

Complaint narrative:
I am submitting this complaint to address the unlawful furnishing and sharing of my personal information by entities involved in the servicing and reporting of my student loans. The following outlines the specific violations and adverse actions taken against me in contravention of federal laws, including the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Family Educational Rights and Privacy Act ( XXXX ) : XXXX XXXX Unauthorized Sharing of XXXX : Under 15 U.S. Code 1681b, my private information may only be shared for permissible purposes and with my explicit written consent. I have not provided any such consent, verbal or written, for the furnishing or dissemination of my nonpublic personal information to third parties, including consumer reporting agencies. 
XXXX. Failure to Notify of Right to Opt-Out : As per 15 U.S. Code 6802 ( b ) - ( c ), financial institutions are required to provide consumers with a clear notice of their right to opt out of the sharing of their nonpublic personal information. At no point was I informed of this right, nor was I given an opportunity to exercise it.

3. Inaccurate Reporting of Information : Under 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or reasonably should know is inaccurate. The information furnished about my student loans contains inaccuracies that have negatively impacted my credit and financial well-being.

4. Violation of Privacy Protections : Pursuant to 15 U.S. Code 6801, financial institutions have an ongoing obligation to respect the privacy of their customers and to protect the confidentiality of their nonpublic personal information. The unauthorized furnishing and sharing of my information violate this obligation.

5. Non-Compliance with FERPA ( 20 U.S. Code 1232g ) : Under FERPA, my educational records, including information tied to my student loans, are protected from unauthorized disclosure without my explicit written consent. By furnishing my student loan information to third parties without such consent, the responsible parties have violated my FERPA rights. Furthermore, FERPA requires institutions to provide clear notice of my rights regarding the access and disclosure of my educational records, which was not done in this instance.

6. Adverse Impact on My Life : The unlawful furnishing and sharing of my information have resulted in adverse consequences, including damage to my credit score, denial of credit opportunities, and emotional distress caused by the mishandling of my personal, financial, and educational data.

7. Non-Compliance with Reasonable Procedures : Under 15 U.S. Code 1681e, consumer reporting agencies must implement reasonable procedures to ensure accuracy and compliance with FCRA. The failure of these agencies to verify the validity and accuracy of the information furnished about my student loans constitutes non-compliance.

I request that the Consumer Financial Protection Bureau investigate these violations and hold the responsible parties accountable for their unlawful actions. I also request the immediate cessation of any unauthorized reporting or sharing of my personal and educational information, along with the correction and removal of any inaccurate or adverse information from my credit file.

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