Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13419285
Complaint Overview
Complaint ID: 13419285
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Florida
ZIP Code: 34203
Date Received: 2025-05-08T12:00:00-05:00
Date Sent to Company: 2025-05-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
VIA CERTIFIED MAIL Experian : XXXX XXXXXXXX XXXX, XXXX, TX XXXX Re : Demand for Immediate Deletion of XXXX XXXX Due to Department of Education Dissolution To Whom It May Concern, I am formally disputing the student loan accounts reported under my name due to material changes in XXXX XXXX XXXX administration following the executive order issued by XXXX XXXX to abolish the XXXX Department of Education. This unprecedented action has created substantial uncertainty regarding the legitimacy, ownership, and enforceability of student loan debts that were previously under the purview of the Department of Education. Accounts in Dispute : DEPT OF EDXXXX Balance- {$2700.00} DEPT OF ED/XXXX Balance- {$5500.00} DEPT OF ED/XXXX Balance {$2200.00} DEPT OF ED/XXXX Balance {$1000.00} DEPT OF ED/XXXX Balance {$1000.00} DEPT OF EDXXXX Balance {$1000.00} DEPT OF ED/XXXX Balance {$2700.00} DEPT OF ED/XXXX Balance {$2200.00} DEPT OF ED/XXXX Balance {$4500.00} Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given the federal dissolution of the agency responsible for these loans, the chain of custody, legal authority, and servicing legitimacy of these accounts are in question. There is no verified entity authorized to validate, collect, or report these debts. # # # Legal Basis for Immediate Deletion : 1. Lack of Credible Verification With the dissolution of the Department of Education, there is no legally valid entity that can verify the accuracy, ownership, or collection rights of these loans. 2. Material Change in Federal Oversight The entity responsible for these loans no longer exists, rendering past reporting structures invalid. 3. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). I am demanding the immediate deletion of these accounts from my credit report. If these accounts are not removed, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiate legal proceedings as necessary to enforce my rights under federal law. Please provide me with a written response confirming the removal of these accounts within 30 days as required by law. Failure to comply will result in further action. Sincerely, XXXX XXXX Subject : Illegal XXXX XXXX Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against DEPT OF ED/AIDVANTAGE Experian, XXXX and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the XXXX Department of Education XXXX # # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action.
Frequently Asked Questions
What is Complaint #13419285 about?
Complaint #13419285 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-05-08T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.