Consumer complaint received 2024-05-30 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: SLM CORPORATION
State: OH

Complaint narrative:
Subject : Dispute of Inaccurate Information on Consumer Report I am writing to dispute the inaccurate information furnished on my consumer report that your agency has provided to third parties. The presence of inaccurate information on my credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ) as specified in 15 USC 1681. The specific violations under the FCRA include 15 USC 1681 ( e ) ( b ) and 15 USC 1681s-2. 
I have thoroughly reviewed the consumer report that I obtained from your agency, and I have identified several items that are factually incorrect and detrimental to my creditworthiness. These inaccuracies have caused severe financial harm and have negatively impacted my ability to secure loans and credit on fair terms. 
The disputed information on my credit report is as follows : CREDITOR NAME SALLIE MAE B INQUIRY DATE XX/XX/XXXX Delete this unconfirmed inquiry lacking certifiable evidence of lawful permissible purpose A consumer reporting agency must have reasonable procedures to ensure the accuracy and fairness of consumer credit reports. Consequently, I am requesting a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681 ( e ) ( b ).

Furthermore, as per 15 USC 1681s-2, I request that you promptly notify the data furnishers associated with the disputed information about my dispute. They are providing inaccurate information and under 15 USC 1681s-2 they are prohibited by law to furnish information that they know is in accurate or have reason to believe is in accurate. 
You must inform them that the information in question is under dispute, and they must cease reporting this information until a thorough investigation has been completed. 
The Following accounts contains multiple inaccurate information : CREDITOR NAME SALLIE MAE B INQUIRY DATE XX/XX/XXXX Delete this unconfirmed inquiry lacking certifiable evidence of lawful permissible purpose I demand that you conduct a comprehensive and impartial investigation within the time frame mandated by the FCRA, which is 30 days from the date of receipt of this dispute letter. Failure to adhere to this requirement will be regarded as a violation of federal law. 
Upon the completion of your investigation, I expect to receive a written report of the results, along with a copy of my updated credit report reflecting the necessary corrections or deletions. If your investigation reveals that any of the disputed information is inaccurate, incomplete, or unverifiable, you must take immediate action to rectify this matter in compliance with 15 USC 1681i ( 5 ).

Additionally, I insist that you provide me with a written statement confirming that the inaccuracies have been corrected and that the updated credit report has been sent to all parties who have received my consumer report within the past two years.

Please be advised that I am fully aware of my rights under the FCRA, and I am prepared to pursue all legal remedies available to me should you fail to comply with the law 's requirements. 

As per the XXXX XXXX XXXX and the FCRA, I request that you initiate a comprehensive investigation into the disputed items promptly. This includes conducting a XXXX compliant investigation and contacting the data furnishers associated with the inaccurate information. 

Thank you for your prompt attention to this matter. I expect a timely response and resolution of this dispute in compliance with the FCRA. 
Sincerely, XXXX XXXX This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 
By obtaining my consumer report on XX/XX/XXXX knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) I have not initiated any transaction with SALLIE MAE BANK. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with SALLIE MAE BANK for review or collection.

Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on { Insert your date XX/XX/XXXX } without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 

A person shall not use or obtain a consumer report for any purpose unless ; The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX. XXXX ). 

FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification.

I am requesting the General or specific certification that was sent to the consumer reporting Agencies! This request is being made pursuant rule 1002.

FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses. 
Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. 
I have been denied new credit, I have been denied increases in lines of credit because of your willful violation of the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 30 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
The advisory opinion of the BUREAU OF CONSUMER FINANCIAL PROTECTION BILLING CODE : XXXX 12 CFR Part 1022 Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose. 
I have been damaged as a result of your failure to follow the law I am requesting the DELETION of the inquiry that was placed on my XXXX  consumer report on XX/XX/XXXX. 

CREDITOR NAME SALLIE MAE B INQUIRY DATE XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation