Consumer complaint received 2024-02-07 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: PA

Complaint narrative:
I am submitting a formal complaint against XXXX regarding my student loans with account number XXXX. Despite receiving a 1099-C Copy B from the IRS, signifying a discharge of debt, XXXX persists in reporting an outstanding balance on my credit report. Moreover, numerous violations of federal laws and regulations have transpired concerning the management of my XXXXXXXX loan data and credit reporting. 
The 1099-C Copy B, furnished by the IRS, denotes the discharge of debt pertaining to my XXXX loans. This discrepancy indicates potential fraudulent activity and misinformation on my credit report, a concern corroborated by the attached documents. XXXX has infringed upon the Privacy Act of 1974 and the Family Educational Rights and Privacy Act ( FERPA ) rights, which safeguard the privacy of student education records. Under FERPA, unauthorized disclosure of educational records to data furnishers is prohibited. The Privacy Act and FERPA, established in 1974, apply to all public or private elementary, secondary, or post-secondary educational institutions. According to 20 USC 1232g ( b ) and 5 U.S.C. 552a ( b ), agencies must not disclose records within a system without written consent, a protocol that was not adhered to in my case. 
XXXX has reported an outstanding balance on my credit report without my consent. Moreover, consumer reporting agencies like Experian and XXXX have provided information regarding my XXXX  loans without my explicit authorization, contravening 15 USC 1681 ( s-2 ). The failure to inform me of my nondisclosure option, as mandated by 15 USC 6802, and the reporting of adverse information without my consent, as outlined in 15 USC 1681C ( a ) ( 5 ), are additional violations of the Fair Credit Reporting Act ( FCRA ). XXXX has also furnished inaccurate information to consumer reporting agencies, violating 15 USC 1681s2 ( A ) ( 1 ). 
XXXX, along with consumer reporting agencies such as Experian and XXXX, have failed to uphold reasonable procedures to prevent FCRA violations and to restrict consumer report furnishing to the purposes delineated in 15 USC 1681b of the FCRA, as mandated by 15 USC 1681e. Furthermore, XXXX neglected to inform me of my right to opt out of their reporting services, contravening 12 CFR 1016.7. 
In light of the aforementioned violations, I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take appropriate action against XXXX and the implicated consumer reporting agencies. Additionally, I request that XXXX rectify the erroneous information on my credit report and desist from further reporting of my XXXX loan details without my explicit consent. 
Thank you for your attention to this matter. I anticipate a swift resolution.

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