Consumer complaint received 2025-03-06 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: TX

Complaint narrative:
I am submitting this complaint against XXXX for reporting my student loan on my credit report without my authorization, which I have never grantedeither in writing or in person. I contend that this practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., because the permissible purpose for accessing and reporting my credit information was strictly limited to evaluating my creditworthiness for the initial loan application. 
XXXX. Lack of Any Authorization I did not provide XXXX or the Department of Education with any authorizationneither in writing nor in personthat permits them to access, report, or transfer my credit information. My consent was solely given to the original lending institution for the purpose of evaluating my creditworthiness to extend a student loan. 
Under 15 U.S.C. 1681b, any entity that accesses or furnishes a consumer report must have its own permissible purpose. Since I never signed or agreed to any separate authorization for XXXX, they do not have a lawful basis to report my personal credit information. 
XXXX. Unauthorized Transfer of Permissible Purpose My authorization to the original lending institution was narrowly defined for assessing credit for the loan. It does not extend to any third-party servicer, including XXXX. Transferring my credit information to them without obtaining a new, explicit consent is not permissible under the FCRA. 
Therefore, the act of reporting my student loan data by XXXX is conducted without the legally required permissible purpose. 
XXXX. Violation of FCRA Provisions and XXXX Rights The FCRA mandates that only those entities with a proper, documented authorization may access and report a consumers credit information. By reporting my loan without my explicit consent, XXXX is not only misusing my credit data but is also in violation of my rights under the law. 
Furthermore, if XXXX is unable to provide incontrovertible evidencesuch as a signed document or any form of verifiable authorizationproving that I consented to this reporting, they are obligated to remove all references to this account from my credit reports immediately. 
XXXX. Request for XXXX XXXX XXXX demand that XXXX immediately cease and desist from reporting my student loan data on my credit report unless they can provide legally valid proof of my authorization. 
If no such evidence exists, I request that all reported information regarding this account be removed from my credit files promptly, in accordance with the FCRA and relevant consumer protection laws. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and enforce compliance with the FCRA, ensuring that XXXX refrain from reporting my credit information without proper, documented authorization. 
Thank you for your prompt attention to this matter.

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 non-monetary relief