Consumer complaint received 2025-03-17 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: FL

Complaint narrative:
Re : Formal Demand for Immediate Correction of Credit Report Inaccuracies and Investigation into Unauthorized Access to Federal Student Loan Systems I am writing to formally dispute inaccuracies in my credit report and demand corrective action under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), the Privacy Act of 1974 ( 5 U.S.C. 552a ), and Federal Education Rights and Privacy Act ( 20 U.S.C. 1232g ). This dispute is based on judicial findings confirming that third parties, including XXXX XXXX and his XXXX  affiliates, unlawfully accessed federal student loan systems containing my sensitive data. 
Factual and Legal Basis On XX/XX/XXXX, the U.S. District Court granted a temporary restraining order in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, et all against XXXX, ruling that its affiliates had ongoing access to systems of record containing [ borrowers ] most sensitive data without legal authority. XXXX XXXX XXXX further stated : There is no reason to believe their access to this information will end anytime soon because the government believes their access is appropriate. 

This judicial order establishes : Unauthorized Access : XXXX unlawful intrusion into federal student loan systems compromised my Social Security number, financial records, and other protected data. 
Ongoing Harm : The governments failure to terminate this access perpetuates Privacy Act and FCRA violations. 
Credit Reporting Inaccuracies : Credit bureaus relying on tainted data violate their duty to ensure maximum possible accuracy under 1681e ( b ). 


Pursuant to the above, I demand : XXXX. Delete Inaccurate Credit Reporting ( 15 U.S.C. 1681e ( b ) ) Immediately direct all credit bureaus to remove any student loan data derived from systems accessed by XXXX. 
The courts ruling confirms this data is compromised, and continued reporting violates 1681e ( b ). 
2. Investigate Privacy Act Violations ( 5 U.S.C. 552a ( e ) ( 10 ) ) Audit the U.S. Department of Education ( or its contractors ) for failing to safeguard my data from XXXX  unauthorized access.

Remediate harm under 552a ( g ) ( 1 ) ( D ), including statutory damages.

XXXX. Investigate Federal Education Rights and Privacy Act ( 20 U.S.C. 1232g ) Refer this matter to the U.S. Department of Educations Family Policy Compliance Office for enforcement 4. Enforce Compliance with the Court Order Coordinate with the U.S. District Court in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX  to ensure XXXX  access is permanently revoked. 
5. Provide Full Disclosure Identify all entities that accessed, modified, or transmitted my data, including contractors and subprocessors.

The court has already confirmed the factual and legal basis for this dispute. I expect written confirmation within 15 business days that : Credit bureaus have deleted tainted data, The Department of Educations role in this breach is under investigation, and XXXX access to federal systems has been terminated. 

Failure to resolve this matter will compel me to pursue all available remedies, including litigation under FCRA ( 1681n ) and the Privacy Act ( 552a ( g ) ).

[ Enclosures : Court Order, NYT Article, Loan Documentation ]

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