Consumer complaint received 2024-03-19 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: MI

Complaint narrative:
In XXXX I The living woman ( Consumer ) XXXX that XXXX emailed me about an alleged student loan that I do not have with them. Upon checking my Consumer report, I noticed that XXXX is reporting on 2 of the consumer reports. 
I did not give XXXX nor XXXX and Experian Authorization or consent to any of my nonpublic information which is in question to how XXXX got my personal information. 

XXXX and XXXX, Experian is in violation of the FCRA because XXXX and the CRA does not have permissible purpose from me to have my information and to furnish it on my consumer report without my oral or written permission. 1681b. Permissible purposes of consumer reports A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer. please note that any report containing information solely as to tractions or experiences between the consumer and the person making the reporting transaction history is illegal I also find that XXXX is in violation of the FERPA ACT of 1974 The Family Educational Rights and Privacy Act of 1974 ( FERPA or the Buckley Amendment ) is a United States federal law that governs the access to educational information and records by public entities such as potential employers, publicly funded educational institutions, and foreign governments. [ 1 ] The act is also referred to as the Buckley Amendment, for one of its proponents, XXXX XXXX XXXX XXXX of New York. [ 2 ] FERPA is a U.S. federal law that regulates access and disclosure of student education records. It grants parents access to their child 's records, allows amendments, and controls disclosure. After a student turns XXXX, their consent is generally required for disclosure. The law applies to institutions receiving U.S. Department of Education funds and provides privacy rights to students XXXX years or older, or those in post-secondary institutions. 

Please Delete this information from my consumer report immediately this has caused me a great deal of stress and anxiety from getting denied. 
I also Find theres multiple names that I have never used The only name that shoul appear is XXXX XXXX The only mailable address is XXXX XXXX XXXX the other addresses are non mailiable locations and should be taking in consideration that this is causing me so much harm please fix it immediately. 

There are numerous inquiries according to 15 usc 1681e- Compliance Procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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