Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, GA XXXX SSN ( Last XXXX Digits ) : XXXX DOB : XX/XX/XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX  XXXX XXXX, TX XXXX RE : Formal Dispute of Inaccurate XXXX  Loan Reporting Request for Investigation and Loan Cancellation To Whom It May Concern, I am writing to dispute certain inaccurate and potentially unlawful information that appears on my credit report related to student loan accounts reported by the U.S. Department of Education. 

The reporting of these accounts contains several discrepancies, including but not limited to : Inaccurate balances Incorrect dates of delinquency or default Unverified reporting of deferment or forbearance periods Duplicate loan entries Reporting of accounts that were discharged, closed, or forgiven Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), Experian is required to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. Additionally, under 15 U.S.C. 1681i, upon notification of a dispute, the credit bureau must conduct a reasonable reinvestigation of the disputed information within 30 days. 

Furthermore, I believe there has been a violation of the Family Educational Rights and Privacy Act ( FERPA ), codified at 20 U.S.C. 1232g, which protects the privacy of student education records. The sharing or reporting of information from my student loan file without proper consent may constitute a breach of this federal statute, especially if private educational data was disclosed to a credit bureau or third party without a signed release. 

I am formally requesting the following : 1. Immediate investigation and removal or correction of any inaccurate, outdated, or unverifiable student loan information from my Experian credit file. 
2. Full documentation verifying the accuracy of each disputed student loan account, including : Original promissory notes Payment histories Forbearance/deferment approvals Authorization of information sharing 3. Immediate removal of any items that can not be verified within 30 days, as required by law. 
4. Full cancellation of my student loan debt due to inaccuracies, reporting violations, and potential privacy breaches under FERPA. 

If Experian is unable to substantiate the accuracy of this information, it must be removed immediately. If the account ( s ) continue to be reported inaccurately after this dispute, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and take legal action under the FCRA and FERPA. 

Please send written confirmation of the results of your investigation to the address above. 

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