Consumer complaint received 2024-03-21 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: TX

Complaint narrative:
Student Loans are showing on my credit report under DEPT OF EDXXXX for the amount of {$3300.00} and {$1800.00} they were previously under XXXXDEPT ED for the same amounts which mean the accounts were sold. 
The Family Educational Rights and Privacy Act ( FERPA ) is a federal law encated in 1974 that protects the privacy of student education records. 
20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping 16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION For All Charge Offs are certificate of indebtedness which means it is income and must be removed According to the FCRA Fair Credit Reporting Act 15 USC 1681 section 602 says that " There's a need to make sure consumer reporting agencies exercise their responsibilities with fairness, and a respect for the consumer 's right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the consumer. That means I have the right to make sure my private information isn't shared that is backed by 15 USC 6801 which states " It's the policy of the congress that each financial institution is affirmative and continuing obligation to respect the privacy of there consumers and to protect the security and confidentiality of consumers ' nonpublic personal information. 

( Furnisher of information to credit agencies ) a financial institution by definition under the title. 15 USC 1681 section 604 ( a ) section 2 says " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances : in accordance with the written instructions of the consumer to whom it relates. " ( Furnisher of information to credit agencies ) XXXX, XXXX, and Experian do not have my consent to furnish this information and they surely do not have my written consent.

Any and all consent to XXXX, XXXX, and Experian ( Furnisher of information to credit agencies ) whether its verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) says that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) says '' Except as authorized under subsection ( b ), no consumer reporting agency make make any any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years, '' This account is an adverse item they are reporting again without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) A states '' A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e says " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX, Experian are not maintaining reasonable procedures, For all Inquires please remove 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting

agency m ay furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relat
es.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer 16 CFR Part 433 - PART 433PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENSES It is as illegal to report transaction and I will like Compensation for my privacy and laws that where broke {$1000.00} for each

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