Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ANY CHARGE-OFF ON MY CREDIT REPORTS ARE CONSIDERED CERTIFICATES OF INDEBTEDNESS. CERTIFICATES OF INDEBTEDNESS ARE CONSIDERED INCOME WHICH MUST BE REMOVED. Publication 4681, Canceled Debts, Foreclosures, Repossessions, and Abandonments ( For Individuals ) : This publication explains the federal tax treatment of canceled debts, foreclosures, repossessions, and abandonments. Generally, if you owe a debt to someone else and they cancel or forgive that debt for less than its full amount, you are treated for income tax purposes as having income and may have to pay tax on this income. Note. This publication generally refers to debt that is canceled, forgiven, or discharged for less than the full amount of the debt as canceled debt. ( PRIVACY ACT OF 1974 ) IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ALL ADDRESSES ON MY CREDIT REPORT ARE NON MAILABLE. EXCEPT FOR THE MOST RECENT ONE. I BELIEVE MY RIGHTS UNDER FERPA, SPECIFICALLY REGARDING THE PRIVACY OF MY STUDENT LOAN INFORMATION, HAVE BEEN VIOLATED. THE DISCLOSURE OF MY STUDENT LOAN RECORDS TO CREDIT BUREAUS WITHOUT MY CONSENT IS CONCERNING AND APPEARS TO CONTRADICT FERPA REGULATIONS. 20 U.S. Code 1232g - Family educational and privacy rights 34 CFR Part 99 - PART 99FAMILY EDUCATIONAL RIGHTS AND PRIVACY The Privacy Act of 1974, 5 U.S.C. 552a, as amended, allows individuals to gain access to their own personal records subject to certain exemptions, and to seek correction or amendment of records maintained by Federal agencies that are inaccurate, incomplete, untimely, or irrelevant. I WOULD ALSO LIKE TO OPT OUT OF ALL WHO ARE REPORTING MY INFORMATION ACCORDING TO 16 CFR 313.7. 16 CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 16 CFR 433.3 Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of 433.2 ( a ). 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ).

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