Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Follow-Up to CFPB Complaint Regarding XXXX and Request for Immediate Action To Whom It May Concern, I am writing to formally follow up on a student loan servicing complaint I submitted to the Consumer Financial Protection Bureau regarding XXXX. My original complaint centered on serious privacy violations, mishandling of my account, and the absence of a timely and thorough investigation.

It has now been nearly 90 days since my initial complaint, and the only response I have received is that XXXX is still researching the issue. Shortly thereafter, the CFPB closed the case. I find this not only unacceptable but also in direct violation of regulatory obligations under both federal privacy and consumer protection laws.

Specifically, I alleged that unauthorized access to my student loan records occurred, implicating well-known individuals ( including XXXX XXXX  and associations with DOGE ) in the misuse or access of my personally identifiable information without consent. This is a potential violation of the Family Educational Rights and Privacy Act ( FERPA ), which explicitly protects student education records from unauthorized disclosure. The severity of this allegation should have triggered a full and formal investigation.

Additionally, under 20 U.S. Code 1087e ( f ) and related Department of Education guidelines, student loan servicers like XXXX are required to conduct fair, prompt, and complete investigations into disputes related to loan servicing and borrower records. In this case, not only has a reasonable investigation not been conducted, but there has been an apparent dismissal of my rights as a borrower and consumer.

I request the following : Immediate Reopening of My CFPB Complaint The case was prematurely closed without due diligence. I request that the complaint be reopened for full investigation.

Independent Investigation Into FERPA Violation I demand an independent and thorough inquiry into the unauthorized access to my student loan records and whether any parties gained access or used the data unlawfully.

Loan Forgiveness Based on Data Breach and Mishandling Given the egregious nature of the violationsincluding the failure to safeguard my personal and financial informationI am requesting complete forgiveness of my student loans serviced by XXXX. Such breaches and systemic failures disqualify the servicer from continuing to administer my loans.

I am prepared to escalate this matter to my congressional representatives, the U.S. Department of Education, and relevant media outlets if no immediate action is taken. The protection of borrower data and the enforcement of fair treatment is not optional. I trust the CFPB will do what is right and protect consumers from negligent or unlawful practices by federal student loan servicers.

Please confirm receipt of this letter and provide a direct contact or case number for follow-up. I am requesting a written response within 14 days.

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