Consumer complaint received 2025-02-19 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TO : Experian Consumer Relations XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Student Loan Account Account XXXX XXXX  To Whom It May Concern, I am writing to formally dispute an unauthorized student loan account reported by XXXX XXXX XXXX XXXX  XXXX which was allegedly purchased from XXXX without my knowledge or consent. 
As a XXXX  XXXX XXXX XXXX XXXX XXXX ) currently on XXXX XXXX XXXX, I was not notified of this transaction, nor did I authorize it. This matter has negatively impacted my financial standing and violates multiple federal, state, and military protections. 
Disputed Account Details : Creditor : XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX Account Number : XXXX Current Balance : {$14000.00} Original Purchase Amount : {$10000.00} Purchase date : XX/XX/XXXX Status : Open Legal Violations & Protections XXXX. Lack of Consent Violation of Federal & XXXX  Contract Laws 15 U.S.C. 1639 ( Truth in Lending Act - TILA ) : Requires lenders to disclose loan terms before a borrower assumes liability. No such disclosure was provided. 
XXXX. XXXXXXXX XXXX XXXX XXXX Consumer Protection Law ) : Failure to notify me of this loan constitutes an unfair and deceptive trade practice. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Any financial agreement above a certain threshold requires a signed written contract. I never signed any such agreement. 
XXXX. Violation of the XXXX XXXX XXXX XXXX ( XXXX ) 50 U.S.C. 3901-4043 As an XXXX XXXX service member, I am entitled to protections under the SCRA, including : 50 U.S.C. 3937 ( Interest Rate Protections ) : Lenders must notify servicemembers of loan modifications. I was never notified.

50 U.S.C. 3911 ( Legal Protections for Active Duty Military Members ) : Creditors can not enforce financial obligations against a deployed servicemember without proper notice.

50 U.S.C. 3953 ( Protections Against Default Judgment ) : Lenders can not report negative credit activity on an account without following legal procedures. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

15 U.S.C. 1681b ( Permissible Purposes ) : This loan should not have been added to my credit report without my authorization.

15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) : Creditors must verify account legitimacy before reporting it. This was not done.

15 U.S.C. 1681c-1 ( Active Duty Alert ) : As a deployed military member, I have the right to place an Active Duty Fraud Alert to prevent unauthorized loans.

4. Violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq.

15 U.S.C. 1692e ( False or Misleading Representations ) : It is illegal for a creditor to misrepresent the validity of a debt.

15 U.S.C. 1692f ( Unfair Practices ) : Attempting to collect an unauthorized debt is an unfair debt collection practice.

5. Violation of Massachusetts Debt Collection Laws XXXX. XXXX XXXX XXXX  ( Usury Laws ) : XXXX  law prohibits unlawful interest rates and invalid debt collection. 
XXXX XXXX XXXX XXXX XXXX Debt Collection Regulation ) : Deceptive or unfair collection practices are illegal. 

Requested Actions : XXXX. Immediate Investigation : Verify the authenticity of the loan and confirm whether the purchase/transfer was legally valid. 
XXXX. Removal of the Account : If the loan was unauthorized, remove it from my credit report and correct any negative impacts on my credit score. 
XXXX. Cease Collection Efforts : STOP all collection attempts immediately until the investigation is resolved. 
XXXX. Update My Military Status : Ensure my Active-Duty Military Status is correctly reported under the SCRA protections. 
XXXX. Provide Documentation : Supply all signed contracts and legal records that allegedly allow XXXX XXXX XXXX XXXX to claim this debt. 

Supporting Documentation Enclosed : Copy of XXXX XXXXXXXX Orders ( Confirming XXXX eligibility ) Affidavit of Unauthorized Account ( Statement affirming no authorization ) Copy of Credit Report Highlighting Disputed Account CFPB complaint Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( Fair Credit Reporting Act ), you are legally required to respond within 30 days of receipt. Failure to comply may result in legal action against your agency. 

CC : XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX Final Request : Given the legal protections afforded to XXXX XXXX servicemembers, I expect this matter to be handled with urgency and priority. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX, XXXXXXXX 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