Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Date : XX/XX/XXXX To : Experian Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Request for Permanent Deletion of Student Loan Accounts Dear Dispute Department ( XXXX ), I am formally disputing the reporting of the student loan accounts listed below, currently appearing on my Experian, Equifax, and TransUnion credit reports. These accounts are being challenged under federal law due to the lack of Gramm-Leach-Bliley Act ( GLBA ) disclosures and violations of the Fair Credit Reporting Act ( FCRA ). 

Student Loan Accounts in Dispute : XXXX XXXX XXXX {$4200.00} XXXX  XXXX XXXX {$430.00} XXXX  XXXX XXXX {$2400.00} XXXX  XXXX XXXX {$1400.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXXXXXX {$740.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXXXXXX {$1100.00} XXXX of XXXX {$2000.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX {$42.00} XXXX XXXX XXXXXXXX {$1500.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$2100.00} XXXX  XXXX XXXX {$2.00} XXXX XXXX  XXXX {$8000.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$2800.00} XXXX  XXXX XXXX {$3300.00} XXXX of XXXX {$4700.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX {$1300.00} XXXX  XXXX XXXX {$410.00} XXXX XXXX  XXXX {$490.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX {$9000.00} XXXXXXXX XXXX XXXX XXXXXXXX {$270.00} XXXX XXXX XXXX XXXX {$270.00} XXXX {$1000.00} XXXX/XXXX  {$2000.00} XXXX {$2000.00} XXXX/XXXX  {$3900.00} XXXX XXXX {$270.00} XXXX XXXX {$270.00} Legal Grounds for Deletion : Gramm-Leach-Bliley Act ( GLBA ) : I never received the required privacy and data sharing disclosures under the GLBA for any of these loans . This includes the failure to issue initial and annual notices regarding how my personal information would be shared or used.

FCRA 15 U.S.C. 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy. If these loans lack lawful origination or verifiable documentation, they can not be accurately reported.

FCRA 15 U.S.C. 1681b : All entries must serve a permissible purpose. If these accounts were opened or reported without valid authorization or disclosure, they violate this provision.

FCRA 15 U.S.C. 1681i : Agencies must reinvestigate disputed entries and remove any unverifiable or inaccurate information within 30 days of receiving a formal dispute.

FCRA 15 U.S.C. 1681s-2 : Furnishers are responsible for ensuring the completeness and accuracy of the data they provide. Misreporting or continuing to report accounts without proper disclosures or legal basis is a violation.

My Formal Requests : 1. Conduct a full reinvestigation of the accounts listed above.

2. Permanently delete all student loan accounts listed, as they were never disclosed or validated according to GLBA and FCRA requirements.

3. Block these accounts from future reinsertion unless fully validated with original, legally compliant documentation as per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

4. Provide written confirmation of your reinvestigation findings and actions taken.

If this matter is not resolved within the timeframes required by federal law, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and may consider legal action under 15 U.S.C. 1681n and 1681o for negligent or willful noncompliance.

Thank you for your immediate attention to this dispute. I look forward to a lawful and timely resolution. 

Sincerely, 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