Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have the right to privacy as a federally protected consumer. I do not consent to E-Oscar verification XXXX Federal Student Aid is making fraudulent claims that I owe them money. I've never had a contractual obligation with XXXX. I don't know who XXXX is and what a private company has to do with student loans. I believe that my student loans have been XXXXischarged Dept of Education sold my loan services to XXXX for pennies on a dollar. Now they are trying to bully me into paying them. These are deceptive debt collection practices according to the FDCPA and TILA. I've already sent them a 1099c. can you please tell me how my 1099c is fraudulent? Also all student loans have been forgiven. The document XXXX sent me clearly says that XXXX doesn't have any affiliates!!!!! 

also don't ask me to fill out a fraudulent form and make XXXX look like the nice guy. You are a fraud, i don't have to fill out anything. so get off my back!!!! 


15 USC 1681Q obtaining information under false pretense Any corporation who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretense shall be fined based on Title 18 Title 18 USC 1028 ( a ) - Aggravated Identity theft whoever during an in relation to any felony enumerated in subsection ( c ) knowingly transfers posses or uses without lawful of another person for such felony be sentenced to a term of imprisonment of two years!!! 

If Consumer reporting agency can not share information without written permission, so how did lexus nexus, sage stream, early warning get my Information? Also when they go it, who gave them permission to share it with a consumer reporting agency? 

15 USC 1681 A ( 2 ) Exclusions- Except as provided in paragraph ( 3 ) the term consumer report means any written, oral or other communication of any information regarding by consumer reporting agency bearing on a consumer 's credit worthyness. credit standing credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used in whole or part to serve as a factor for establishing a consumer 's eligibility for a credit or insurance to be used primarily for personal, family and wholesale purposes. ( b ) Employment purposes or ( c ) any purpose under 1681b. 

Please stop sharing my information with 3rd party sources such as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, they don't have my permission to furnish my information. if they have permission please give me the law. the law clearly states that they MAY share but that doesn't mean they don't have to. since I the consumer don't give permission. 
furthermore, congress says " except as provided in paragraph ( 3 ) the term consumer report does not include report containing information solely as to transactions or experiences. '' So what is a payment History? It is a transaction, My transactions are excluded. so where does a late payment come from? so to summarize reporting of a late payment is illegal. 

15 USC 16802 Obligations with respect to disclosures of personal Information. 
15 USC 16802 ( b ) Opt-out A financial institution may not report Non- Public personal information to a non- affiliated third party unless there was 3 disclosures sent to me before that information can be exchanged and the consumer must agree to it. 

I was never notified of any disclosures before any information was exchanged. 

15 USC 1681 ( b ) 2 there must be one permission with written consent from the consumer and they must have a legitamate business reason or government/court order with out those factors they can not exchange information. 

the law clearly states that they may furnish in accordance with written instructions of the consumer to whom it relates. 

If XXXX reporting agency can not share information without written permission, so how did lexus nexus, sage stream, early warning get my XXXX? Also when they go it, who gave them permission to share it with a consumer reporting agency? 

XXXX XXXX XXXX obtaining information under false pretense Any corporation who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretense shall be fined based on Title XXXX Title XXXX XXXX XXXX ( a ) - Aggravated Identity theft whoever during an in relation to any felony enumerated in subsection ( c ) knowingly transfers posses or uses without lawful of another person for such felony be sentenced to a term of imprisonment of XXXX years!!!

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