Consumer complaint received 2024-01-12 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: FL

Complaint narrative:
I am writing to file a complaint against XXXX for consistent violations of my privacy rights, as protected by the Privacy Act of 1974 and the Family Educational Rights and Privacy Act ( FERPA ). XXXX, identified as a financial institution, has engaged in unauthorized disclosure of my student loan information to consumer reporting agencies without my explicit consent. 
1. Violations of Privacy Act of 1974 and Fair Credit Reporting Act ( FCRA ) XXXX, recognized as a financial institution, has reported negative information on my credit report without my authorization, contravening the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681 section 602a. This section emphasizes the importance of consumer reporting agencies, XXXX, XXXX, and Experian, discharging their responsibilities with fairness, impartiality, and due regard for consumer privacy. 
2. Right to Control Information Disclosure ( 15 USC 6801 ) and Opting Out ( 15 USC 6802-6805 ) Pursuant to 15 USC 6801 , as the consumer, I retain the right to ensure that my private information is not disseminated without explicit consent. XXXX, as a financial institution, is subject to 15 USC 1681 section 604a section 2, which explicitly states that consumer reporting agencies, XXXX, XXXX, and Experian, may furnish a consumer report only in accordance with the written instructions of the consumer. Additionally, 15 USC 6802-6805 provides me with the right to opt out of reporting, allowing me to control the disclosure of my information.

3. Revocation of Consent and Non-Disclosure Option I hereby unequivocally revoke any and all consent previously granted to XXXX and XXXX, XXXX, and Experian. XXXX and the mentioned consumer reporting agencies neglected to inform me of my right to exercise the nondisclosure option, further exacerbating their non-compliance with relevant laws. 

In light of the aforementioned violations, I demand that any and all accounts listed as XXXX ' be promptly removed from my credit report. These demands are based on the following grounds : 1. Violations of Privacy Act of 1974 and FCRA : XXXX has reported negative information on my credit report without my authorization, a clear contravention of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 ( 15 USC 1681 section 602a ). This unauthorized disclosure compromises the fairness, impartiality, and due regard for consumer privacy mandated by these acts. 
2. Right to Control Information Disclosure ( 15 USC 6801 ) : As the consumer, I retain the right to ensure that my private information is not disseminated without explicit consent. XXXX, by failing to obtain my written consent for information disclosure, has violated my rights under 15 USC 1681 section 604a section 2.

3. Revocation of Consent and Non-Disclosure Option : I hereby revoke any and all consent previously granted to XXXX and the consumer reporting agencies ( XXXX, XXXX, Experian ). XXXX 's and the mentioned agencies ' neglect to inform me of my right to exercise the nondisclosure option further underscores their non-compliance with relevant laws. 
4. Given the severity of these breaches and the legal violations involved, I insist on the immediate removal of any and all accounts associated with XXXX XXXX from my credit report. Failure to do so will be considered a continuation of the violations, without my consent.

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 non-monetary relief