Consumer complaint received 2025-03-24 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: MI

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Student Loan Records and Credit Report Errors Immediate Review Required Dear XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX XXXX I am writing to formally dispute inaccurate and potentially fraudulent information appearing on my student loan records and credit report. This dispute is submitted under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandate accurate reporting and protection of my financial and educational data.

Dispute of Student Loan Records XXXX XXXX XXXX XXXX  XXXX XXXX, I have the right to privacy and accurate record-keeping regarding my educational history. Upon review of my records, I have identified discrepancies related to the unauthorized release and potential misuse of my educational information, directly impacting my student loans. I am invoking my rights under FCRA 611 ( a ) ( 1 ) ( A ) due to the inaccurate and misleading nature of this reporting.

I formally request the following actions : 1. A full review of my student loan records to identify and correct any errors resulting from improper record-keeping or unauthorized data access.

2. Immediate deletion or correction of any inaccurately reported loan amounts or disbursements. 
XXXX. Written confirmation of the findings of this review within 30 days of receipt of this letter. 

Dispute of Credit Report Errors XXXX XXXX Additionally, I am disputing inaccurate information on my XXXX XXXX report under FCRA 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX XXXX is required to conduct a thorough and reasonable reinvestigation within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information that is inaccurate, incomplete, or unverifiable must be deleted or corrected immediately. 

I hereby demand that XXXX XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items : [ List disputed accounts/items ]. 2. Provide full documentation used to verify the accuracy
of these disputed items.

3. Immediately correct or delete any information that can not be verified as required by law.

A copy of my identification and supporting documents are enclosed to facilitate your investigation.

I expect a written response confirming receipt and resolution of this dispute within the legally mandated timeframe.

You may contact me at ( XXXX ) XXXX or XXXX with any updates regarding this matter. 

Sincerely, 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