Consumer complaint received 2025-05-16 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: NC

Complaint narrative:
I am writing to file a formal complaint regarding the unauthorized and unlawful use of my Social Security number by certain entities who have reported accounts to consumer reporting agenciesspecifically TransUnion and Experianwithout my written consent, in violation of several federal laws and legal protections. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX Loan Account Number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX I did not authorize the use of my Social Security number for reporting or collections related to these accounts. My Social Security number is a personal identifier protected under several federal laws, including : Gramm-Leach-Bliley Act ( GLBA ) which restricts financial institutions from disclosing nonpublic personal information without proper notice and opportunity to opt-out. 

Fair Credit Reporting Act ( FCRA ) which limits the collection and use of consumer information and requires data furnishers to have a permissible purpose before reporting to credit bureaus.

Family Educational Rights and Privacy Act ( FERPA ) which restricts the disclosure of educational records and personally identifiabl
e information, including loan information.

Title 5, U.S. Code 552a ( The Privacy Act ) which strictly governs the collection, maintenance, and use of personal information, especially by federal agencies.

United States Code, Title 15, 1681 ( b ) ( FCRA ) which mandates that credit reporting agencies have a permissible purpose to disclose credit information.

Uniform Commercial Code ( UCC ) 1-308 preserving my rights without prejudice. Code of Federal Regulations ( CFR ) such as 16 CFR Part
313 ( Privacy of Consumer Financial Information ), which imposes restrictions on nonpublic personal information usage.

There have also been court precedents affirming that the use of a Social Security number without consent constitutes a privacy violation : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : Held that unauthorized disclosure of a Social Security number can result in liability under the Privacy Act. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Recognized the potential harm in misusing SSNs due to identity theft and privacy concerns. 

Given that I have not provided any express written authorization for these parties to use my Social Security number for debt collection or credit reporting purposes, I respectfully request : That the CFPB investigate the conduct of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) regarding their use and disclosure of my private information. 

That these accounts be removed from all consumer reporting agency databases immediately unless valid proof of authorization and permissible purpose under the law can be shown. 

That I be provided with a formal explanation of any findings related to this matter. 

Please consider this an urgent matter, as the continued presence of these accounts on my credit report constitutes a violation of my privacy rights and may result in further harm to my financial standing and reputation. 

I am attaching a copy of my identification and a copy of my credit report showing the accounts in question for your review. 

Thank you for your time and prompt attention to this matter. I look forward to your response and assistance in resolving this issue.

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