Consumer complaint received 2024-12-05 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: DE

Complaint narrative:
To whom it may concern, Upon reviewing my credit reports there are several things I noticed. I would like to bring notice to the CFPB the Credit bureau and the creditors. I made several complaints with Experian about the fraudulent activity that has taken placed with the Department Of Education account. My first notice of dispute was that there was a balance reporting on my Experian credit report with the US Department of Education of {$14000.00}. I informed Experian that this was a mistake I even sent the Release Of Debt letter with the account number visible. The complaint was put in on 2 different occasions and per Experian their response was that the information had been verified.. I personally spoke to Department of Education and they directly informed me that the account had indeed been paid off and that they are not reporting this to the credit bureau.. I spoke to Experian and they in fact said that this was being reported from the creditor.. I informed Experian that these accounts were taken of as well as sent paid off letters with the referenced account numbers on it.. Pursuant Under 15 U.S.C. 1681 ( a ) ( XXXX ) which is part of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency ( CRA ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
My problem with this account is that I have been sending in proof that this account was not reporting correctly and Experian had been stating that they investigated but clearly didntNow Months later this account is reporting as a closed account and finally updated at a XXXX balance when I have been saying and proving that the account should have been reflected as such.. I am now seeking damages due to fact that Experians investigation and reinvestigation was unlawful account number for the student loan I am referring to is XXXX 

There are 2 other accounts on my credit reports that I am asking for a Notice to receive the full disclosure forms of the loan agreements..The accounts I am requesting forms A, B, C, disclosure forms for XXXX XXXX account number XXXX and XXXX XXXX XXXX XXXXXXXX account XXXX XXXX Please send over all disclosure forms when these accounts were opened.. The first disclosure form should state that that my non public personal information may be sent to a third party, the next disclosure form should state I have the right to opt out of having my non public personal information sent to a third party and lastly the disclosure form showing me exactly how I can exercise that right to opting out.. Pursuant to 15USC 6802 b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
If these specific documents are not provided according to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. My rights have been violated greatly. The original contract I entered in with these companies have been very much misleading and deceptive.. Moreover if you fail to honor my request and discriminate against me for exercising my rights that will be another clear violation of the Law 15 USC 1691 ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( XXXX ) because the applicant has in good faith exercised any right under this chapter. 
If fraudulent activity has taken place in the above mentioned accounts please discharge accounts immediately. The XXXX previous CFPB claims numbers to reference are XXXX XXXX XXXX XXXX XXXX XXXX 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