{"took":106,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":46,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8707328","_score":33.7796,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The Family Educational Rights and Privacy act ( FERPA ) which protects the privacy of student education records, 20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping which has an abundance of information about handling the releases of education records which includes transaction history - including loan amount. XXXX, XXXX nor XXXX is suppose to have this information. I did not consent, I do not consent. and the Privacy Act of 1974 Covers this non public information as well from be given to 3rd parties and or non affiliates.","date_sent_to_company":"2024-04-05T19:21:17.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"280XX","tags":null,"has_narrative":true,"complaint_id":"8707328","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2024-04-05T18:48:48.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The Family Educational Rights and Privacy act ( FERPA ) which protects the privacy of student education records, 20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; <em>compliance</em> with <em>judicial</em> <em>orders</em> and <em>subpoenas</em> ; <em>audit</em> and evaluation of federally-supported education programs ; recordkeeping which has an abundance of information about handling the releases of education records which includes transaction history - including loan amount."]},"sort":[33.7796,"8707328"]},{"_index":"complaint-public-v1","_id":"8707119","_score":33.7796,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The Family Educational Rights and Privacy act ( FERPA ) which protects the privacy of student education records, 20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping which has an abundance of information about handling the releases of education records which includes transaction history - including loan amount. XXXX, XXXX nor Transunion is suppose to have this information. I did not consent, I do not consent. and the Privacy Act of 1974 Covers this non public information as well from be given to 3rd parties and or non affiliates.","date_sent_to_company":"2024-04-05T19:21:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"280XX","tags":null,"has_narrative":true,"complaint_id":"8707119","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-05T19:21:30.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The Family Educational Rights and Privacy act ( FERPA ) which protects the privacy of student education records, 20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; <em>compliance</em> with <em>judicial</em> <em>orders</em> and <em>subpoenas</em> ; <em>audit</em> and evaluation of federally-supported education programs ; recordkeeping which has an abundance of information about handling the releases of education records which includes transaction history - including loan amount."]},"sort":[33.7796,"8707119"]},{"_index":"complaint-public-v1","_id":"8707118","_score":33.661396,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The Family Educational Rights and Privacy act ( FERPA ) which protects the privacy of student education records, 20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping which has an abundance of information about handling the releases of education records which includes transaction history - including loan amount. XXXX, Experian nor XXXX is suppose to have this information. I did not consent, I do not consent. and the Privacy Act of 1974 Covers this non public information as well from be given to 3rd parties and or non affiliates.","date_sent_to_company":"2024-04-05T19:21:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"280XX","tags":null,"has_narrative":true,"complaint_id":"8707118","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-05T19:21:30.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The Family Educational Rights and Privacy act ( FERPA ) which protects the privacy of student education records, 20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; <em>compliance</em> with <em>judicial</em> <em>orders</em> and <em>subpoenas</em> ; <em>audit</em> and evaluation of federally-supported education programs ; recordkeeping which has an abundance of information about handling the releases of education records which includes transaction history - including loan amount."]},"sort":[33.661396,"8707118"]},{"_index":"complaint-public-v1","_id":"8704414","_score":33.661396,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The Family Educational Rights and Privacy act ( FERPA ) which protects the privacy of student education records, 20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping which has an abundance of information about handling the releases of education records which includes transaction history - including loan amount. Equifax, XXXX nor XXXX is suppose to have this information. I did not consent, I do not consent. and the Privacy Act of 1974 Covers this non public information as well from be given to 3rd parties and or non affiliates.","date_sent_to_company":"2024-04-05T19:21:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"280XX","tags":null,"has_narrative":true,"complaint_id":"8704414","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-05T19:21:30.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The Family Educational Rights and Privacy act ( FERPA ) which protects the privacy of student education records, 20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; <em>compliance</em> with <em>judicial</em> <em>orders</em> and <em>subpoenas</em> ; <em>audit</em> and evaluation of federally-supported education programs ; recordkeeping which has an abundance of information about handling the releases of education records which includes transaction history - including loan amount."]},"sort":[33.661396,"8704414"]},{"_index":"complaint-public-v1","_id":"8151731","_score":32.03041,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The Department of Education Aidvantage has released my records to all three reporting agencies illegally under the Family Educational Rights and Privacy Act. FERPA is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. 20 U.S.C. 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interest ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law. I DID NOT GIVE THE DEPT OF AIDVANTAGE WRITTEN PERMISSION TO RELEASE MY MEDICAL RECORDS and The three consumer reporting agencies XXXX, XXXX AND XXXX are not listed as an condition to FERPA. They are clearly in violation of the law and their illegal reporting has caused me to be denied a mortgage loan, damage my reputation, my character and my livelihood.","date_sent_to_company":"2024-01-12T05:04:18.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29483","tags":null,"has_narrative":true,"complaint_id":"8151731","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2024-01-12T04:58:48.000Z","state":"SC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Department of Education. 20 U.S.C. 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; <em>compliance</em> with <em>judicial</em> <em>orders</em> and <em>subpoenas</em> ; <em>audit</em> and evaluation of federally-supported education programs ; recordkeeping Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record."]},"sort":[32.03041,"8151731"]},{"_index":"complaint-public-v1","_id":"8150874","_score":31.844156,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The Department of Education Nelnet has released my records to all three reporting agencies illegally under the Family Educational Rights and Privacy Act. \n\nFERPA is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. \n\n20 U.S.C. 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interest ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law.\n\nI DID NOT GIVE THE DEPT OF NELNET WRITTEN PERMISSION TO RELEASE MY MEDICAL RECORDS and The three consumer reporting agencies XXXX, XXXX AND XXXX are not listed as an condition to FERPA. \n\nThey are clearly in violation of the law and their illegal reporting has caused me to be denied a mortgage loan, damage my reputation, my character and my livelihood.","date_sent_to_company":"2024-01-12T04:57:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29483","tags":null,"has_narrative":true,"complaint_id":"8150874","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2024-01-12T04:23:51.000Z","state":"SC","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Department of Education. \n\n20 U.S.C. 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; <em>compliance</em> with <em>judicial</em> <em>orders</em> and <em>subpoenas</em> ; <em>audit</em> and evaluation of federally-supported education programs ; recordkeeping Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record."]},"sort":[31.844156,"8150874"]},{"_index":"complaint-public-v1","_id":"9023016","_score":31.411129,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Student Loans are showing on my credit report under DEPT OF ED/XXXX  Account # XXXX for the amount of {$1800.00}, my other student loan that was reporting was removed but the otheris still on which both loans have the same reporting dates they were previously under XXXX/DEPT ED for the same amount which mean the accounts were sold. The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. 20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping. Also my loans have inaccurate information with different dates showing for opening dates, last reported, last active, and last payment dates across all 3 agencies.","date_sent_to_company":"2024-05-17T01:57:48.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76542","tags":null,"has_narrative":true,"complaint_id":"9023016","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-17T00:29:55.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. 20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; <em>compliance</em> with <em>judicial</em> <em>orders</em> and <em>subpoenas</em> ; <em>audit</em> and evaluation of federally-supported education programs ; recordkeeping."]},"sort":[31.411129,"9023016"]},{"_index":"complaint-public-v1","_id":"9022472","_score":31.256344,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Student Loans are showing on my credit report under XXXXXXXX XXXX XXXX Account # XXXX for the amount of {$1800.00}, my other student loan that was reporting was removed but the otheris still on which both loans have the same reporting dates they were previously under XXXX XXXXXXXX for the same amount which mean the accounts were sold. The XXXX XXXX Rights and Privacy Act ( XXXX ) is a federal law enacted in 1974 that protects the privacy of student education records. 20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping. Also my loans have inaccurate information with different dates showing for opening dates, last reported, last active, and last payment dates across all 3 agencies.","date_sent_to_company":"2024-05-17T01:57:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76542","tags":null,"has_narrative":true,"complaint_id":"9022472","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-05-17T01:57:55.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The XXXX XXXX Rights and Privacy Act ( XXXX ) is a federal law enacted in 1974 that protects the privacy of student education records. 20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; <em>compliance</em> with <em>judicial</em> <em>orders</em> and <em>subpoenas</em> ; <em>audit</em> and evaluation of federally-supported education programs ; recordkeeping."]},"sort":[31.256344,"9022472"]},{"_index":"complaint-public-v1","_id":"8270718","_score":26.886555,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In reference to the complaint ID XXXX. The US Department of Education failed to reply or fix issues related to said complaint ID XXXX. They Violated FERPA 20 USC 1232g ( B ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping. The accounts are also over 7 years old which violates FCRA. They are also reporting conflicting information across all credit bureaus. Tender of payment was made and not applied to account. These matters has caused both stress and endangerment of my life. On contract with XXXX XXXX  and XXXX which are now transferred to US Department of Education Default Resolution group, the promissory note states they would not share my personal information with any third party which XXXX sales information about consumers on XXXX which includes my personal information through both direct and Indirect Channels According to their SEC Registration XXXX, XXXX form, and this violates FERPA and the privacy act of 1974. XXXX acquired XXXX XXXX, a third party which also holds US Department of Education accounts on my credit report from XXXX XXXX, and buy and sales information which is a breach of The Privacy Act of 1974.XXXX  uses the XXXX XXXX  exchange without my consent of soliciting my personal information breach of the Privacy act of 1974.","date_sent_to_company":"2024-02-02T07:27:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"361XX","tags":null,"has_narrative":true,"complaint_id":"8270718","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Manhattan Beach Venture, LLC","date_received":"2024-02-02T06:15:14.000Z","state":"AL","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["They Violated FERPA 20 USC 1232g ( B ) Release of education records ; parental consent requirement ; exceptions ; <em>compliance</em> with <em>judicial</em> <em>orders</em> and <em>subpoenas</em> ; <em>audit</em> and evaluation of federally-supported education programs ; recordkeeping. The accounts are also over 7 years old which violates FCRA. They are also reporting conflicting information across all credit bureaus. Tender of payment was made and not applied to account. These matters has caused both stress and endangerment of my life."]},"sort":[26.886555,"8270718"]},{"_index":"complaint-public-v1","_id":"8270582","_score":26.886555,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In reference to the complaint ID XXXX. The US Department of Education failed to reply or fix issues related to said complaint ID XXXX. They Violated FERPA 20 USC 1232g ( B ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping. The accounts are also over 7 years old which violates FCRA. They are also reporting conflicting information across all credit bureaus. Tender of payment was made and not applied to account. These matters has caused both stress and endangerment of my life. On contract with Direct Loans and XXXX  which are now transferred to US Department of Education Default Resolution group, the promissory note states they would not share my personal information with any third party which XXXX sales information about consumers on USIS which includes my personal information through both direct and Indirect Channels According to their SEC Registration XXXX, 10-k form, and this violates FERPA and the privacy act of 1974. Equifax acquired XXXX XXXX, a third party which also holds US Department of Education accounts on my credit report from Equifax system, and buy and sales information which is a breach of The Privacy Act of 1974.XXXX uses the London Stock exchange without my consent of soliciting my personal information breach of the Privacy act of 1974.","date_sent_to_company":"2024-02-02T07:28:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"361XX","tags":null,"has_narrative":true,"complaint_id":"8270582","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-02T07:28:02.000Z","state":"AL","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["They Violated FERPA 20 USC 1232g ( B ) Release of education records ; parental consent requirement ; exceptions ; <em>compliance</em> with <em>judicial</em> <em>orders</em> and <em>subpoenas</em> ; <em>audit</em> and evaluation of federally-supported education programs ; recordkeeping. The accounts are also over 7 years old which violates FCRA. They are also reporting conflicting information across all credit bureaus. Tender of payment was made and not applied to account. These matters has caused both stress and endangerment of my life."]},"sort":[26.886555,"8270582"]},{"_index":"complaint-public-v1","_id":"8270579","_score":26.886555,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In reference to the complaint ID XXXX. The US Department of Education failed to reply or fix issues related to said complaint ID XXXX. They Violated FERPA 20 USC 1232g ( B ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping. The accounts are also over 7 years old which violates FCRA. They are also reporting conflicting information across all credit bureaus. XXXX of payment was made and not applied to account. These matters has caused both stress and endangerment of my life. On contract with Direct Loans and FedLoans which are now transferred to US Department of Education XXXX XXXX XXXX, the promissory note states they would not share my personal information with any third party which XXXX sales information about consumers on XXXX which includes my personal information through both direct and Indirect Channels According to their SEC Registration No.333-172549, 10-k form, and this violates FERPA and the privacy act of 1974. XXXX acquired XXXX XXXX, a third party which also holds US Department of Education accounts on my credit report from XXXX XXXX, and buy and sales information which is a breach of The Privacy Act of 1974.Experian uses the XXXX XXXX  XXXX without my consent of soliciting my personal information breach of the Privacy act of 1974.","date_sent_to_company":"2024-02-02T07:28:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"361XX","tags":null,"has_narrative":true,"complaint_id":"8270579","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-02T07:28:02.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["They Violated FERPA 20 USC 1232g ( B ) Release of education records ; parental consent requirement ; exceptions ; <em>compliance</em> with <em>judicial</em> <em>orders</em> and <em>subpoenas</em> ; <em>audit</em> and evaluation of federally-supported education programs ; recordkeeping. The accounts are also over 7 years old which violates FCRA. They are also reporting conflicting information across all credit bureaus. XXXX of payment was made and not applied to account. These matters has caused both stress and endangerment of my life."]},"sort":[26.886555,"8270579"]},{"_index":"complaint-public-v1","_id":"8270583","_score":26.790094,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In reference to the complaint ID XXXX. The US Department of Education failed to reply or fix issues related to said complaint ID XXXX. They Violated FERPA 20 USC 1232g ( B ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping. The accounts are also over XXXX XXXX XXXX which violates FCRA. They are also reporting conflicting information across all credit bureaus. Tender of payment was made and not applied to account. These matters has caused both stress and endangerment of my life. On contract with Direct Loans and FedLoans which are now transferred to US Department of Education Default Resolution group, the promissory note states they would not share my personal information with any third party which Transunion sales information about consumers on XXXX which includes my personal information through both direct and Indirect Channels According to their SEC Registration XXXX, XXXX form, and this violates FERPA and the privacy act of 1974. XXXX acquired XXXX XXXX, a third party which also holds US Department of Education accounts on my credit report from XXXX XXXX, and buy and sales information which is a breach of The Privacy Act of 1974XXXX uses the XXXX Stock exchange without my consent of soliciting my personal information breach of the Privacy act of 1974.","date_sent_to_company":"2024-02-02T07:28:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"361XX","tags":null,"has_narrative":true,"complaint_id":"8270583","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-02T07:28:02.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["They Violated FERPA 20 USC 1232g ( B ) Release of education records ; parental consent requirement ; exceptions ; <em>compliance</em> with <em>judicial</em> <em>orders</em> and <em>subpoenas</em> ; <em>audit</em> and evaluation of federally-supported education programs ; recordkeeping. The accounts are also over XXXX XXXX XXXX which violates FCRA. They are also reporting conflicting information across all credit bureaus. Tender of payment was made and not applied to account."]},"sort":[26.790094,"8270583"]},{"_index":"complaint-public-v1","_id":"8154502","_score":25.87952,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. \n\nAccording to the above mentioned act and more precisely 20 USC 1232g ( b ) I have the right to privacy when it comes to my education records. section 1232g ( 4 ) ( A ) also includes the definition of an education record and what information that entails. It states that directory information only is to be included in these said reports. \n\nFor example it states ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; record-keeping ( 1 ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of permitting the release of education records ( or personally identifiable information contained therein other than directory information, as defined in paragraph ( 5 ) of subsection ( a ) ) of students without the written consent of their parents to any individual, agency, or organization, other than to the following It then goes on to break down each exception and consumer reporting agency is not listed as one of the acceptable parties. Furthermore the U.S. Dept of Education does not have my written consent to furnish my information and records to XXXX. \n\nThe act in its entirety is uploaded as proof of claim.","date_sent_to_company":"2024-01-13T20:08:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29229","tags":null,"has_narrative":true,"complaint_id":"8154502","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2024-01-13T19:30:16.000Z","state":"SC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["For example it states ( b ) Release of education records ; parental consent requirement ; exceptions ; <em>compliance</em> with <em>judicial</em> <em>orders</em> and <em>subpoenas</em> ; <em>audit</em> and evaluation of federally-supported education programs ; record-keeping ( 1 ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of permitting the release of education records ( or personally identifiable information contained therein other than directory information"]},"sort":[25.87952,"8154502"]},{"_index":"complaint-public-v1","_id":"8154506","_score":25.811514,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. \n\nAccording to the above mentioned act and more precisely 20 USC 1232g ( b ) I have the right to privacy when it comes to my education records. section 1232g ( 4 ) ( A ) also includes the definition of an education record and what information that entails. It states that directory information only is to be included in these said reports. \n\nFor example it states ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; record-keeping ( 1 ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of permitting the release of education records ( or personally identifiable information contained therein other than directory information, as defined in paragraph ( 5 ) of subsection ( a ) ) of students without the written consent of their parents to any individual, agency, or organization, other than to the following It then goes on to break down each exception and consumer reporting agency is not listed as one of the acceptable parties. Furthermore the U.S. Dept of Education does not have my written consent to furnish my information and records to Experian.\n\nThe act in its entirety is uploaded as proof of claim.","date_sent_to_company":"2024-01-13T20:08:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29229","tags":null,"has_narrative":true,"complaint_id":"8154506","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-13T20:08:09.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["For example it states ( b ) Release of education records ; parental consent requirement ; exceptions ; <em>compliance</em> with <em>judicial</em> <em>orders</em> and <em>subpoenas</em> ; <em>audit</em> and evaluation of federally-supported education programs ; record-keeping ( 1 ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of permitting the release of education records ( or personally identifiable information contained therein other than directory information"]},"sort":[25.811514,"8154506"]},{"_index":"complaint-public-v1","_id":"9024252","_score":22.71836,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Accounts for : XXXX XXXX XXXX and Default Resolution Group.\n\n15 USC 1681b - Permissible Purpose of consumer reports ; Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. \nThey need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) ; 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ; No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. \n\nThe Family Educational Rights and Privacy Act enacted in 1974 that protects the privacy of student educational records. FERPA applies to any public and private elementary and secondary, post-secondary school.\n\n20 USC 1232g ( b ) - Release of education records ; Parental consent requirement ; exceptions ; Compliance with Judicial orders and subpoenas ; Audit and evaluation of federally supported education programs ; record-keeping.\n\nPRIVACY ACT OF 1974 ( 5 US CODE 552a ) ; ( b ) Conditions of Disclosure - No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.\n\n15 USC 1681o - Civil liability for negligent non compliance ; In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure","date_sent_to_company":"2024-05-16T21:20:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"253XX","tags":null,"has_narrative":true,"complaint_id":"9024252","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-16T21:20:22.000Z","state":"WV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["FERPA applies to any public and private elementary and secondary, post-secondary school.\n\n20 USC 1232g ( b ) - Release of education records ; Parental consent requirement ; exceptions ; <em>Compliance</em> with <em>Judicial</em> <em>orders</em> and <em>subpoenas</em> ; <em>Audit</em> and evaluation of federally supported education programs ; record-keeping."]},"sort":[22.71836,"9024252"]},{"_index":"complaint-public-v1","_id":"9024140","_score":22.65361,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Accounts for : XXXX XXXX XXXX and Default Resolution Group.\n\n15 USC 1681b - Permissible Purpose of consumer reports ; Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. \nThey need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) ; 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ; No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. \n\nThe Family Educational Rights and Privacy Act enacted in 1974 that protects the privacy of student educational records. FERPA applies to any public and private elementary and secondary, post-secondary school. \n\n20 USC 1232g ( b ) - Release of education records ; Parental consent requirement ; exceptions ; Compliance with Judicial orders and subpoenas ; Audit and evaluation of federally supported education programs ; record-keeping. \n\nPRIVACY ACT OF 1974 ( 5 US CODE 552a ) ; ( b ) Conditions of Disclosure - No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. \n\n15 USC 1681o - Civil liability for negligent non compliance ; In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure","date_sent_to_company":"2024-05-16T21:20:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"253XX","tags":null,"has_narrative":true,"complaint_id":"9024140","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-16T20:39:20.000Z","state":"WV","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["FERPA applies to any public and private elementary and secondary, post-secondary school. \n\n20 USC 1232g ( b ) - Release of education records ; Parental consent requirement ; exceptions ; <em>Compliance</em> with <em>Judicial</em> <em>orders</em> and <em>subpoenas</em> ; <em>Audit</em> and evaluation of federally supported education programs ; record-keeping."]},"sort":[22.65361,"9024140"]},{"_index":"complaint-public-v1","_id":"7989925","_score":21.578186,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"These accounts were previously disputed and removed ; however, they were recently added to my consumer file either under a new lender OR through the previous lenders. My student loans were dismissed under the Sweet v Cardona Settlement and I received documentation from the Department of Education on XX/XX/2023 ( enclosed ). These loans recently appeared on my consumer report under a new lender XXXX XXXX. \n\nAs per 20 U.S. Code 1232g - Family educational and privacy rights ( a ) Conditions for availability of funds to educational agencies or institutions ; inspection and review of education records ; specific information to be made available ; procedure for access to education records ; reasonableness of time for such access ; hearings ; written explanations by parents ; definitions ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping ; ( D ) in connection with astudents application for, or receipt of, financial aid ; ( E ) State and local officials or authorities to whom such information is specifically allowed to be reported or disclosed pursuant to State statute adopted ( II ) the officials and authorities to whom such information is disclosed certify in writing to theeducational agency or institutionthat the information will not be disclosed to any other party except as provided under State law without the prior written consent of the parent of thestudent. [ 1 ] ( 4 ) ( B ) With respect to this subsection, personal information shall only be transferred to a third party on the condition that such party will not permit any other party to have access to such information without the written consent of the parents of thestudent. If a third party outside theeducational agency or institutionpermits access to information in violation of paragraph ( 2 ) ( A ), or fails to destroy information in violation of paragraph ( 1 ) ( F ), theeducational agency or institutionshall be prohibited from permitting access to information fromeducation recordsto that third party for a period of not less than five years. \n\nFurnishing this information to my consumer report is a violation of this federal law and was provided with out my authorization or consent.","date_sent_to_company":"2023-12-12T15:20:25.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30253","tags":null,"has_narrative":true,"complaint_id":"7989925","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-12T15:20:22.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Code 1232g - Family educational and privacy rights ( a ) Conditions for availability of funds to educational agencies or institutions ; inspection and review of education records ; specific information to be made available ; procedure for access to education records ; reasonableness of time for such access ; hearings ; written explanations by parents ; definitions ( b ) Release of education records ; parental consent requirement ; exceptions ; <em>compliance</em> with <em>judicial</em> <em>orders</em> and <em>subpoenas</em> ; <em>audit</em>"]},"sort":[21.578186,"7989925"]},{"_index":"complaint-public-v1","_id":"7989927","_score":21.518906,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"These accounts were previously disputed and removed ; however, they were recently added to my consumer file either under a new lender OR through the previous lenders. My student loans were dismissed under the Sweet v Cardona Settlement and I received documentation from the Department of Education on XX/XX/2023 ( enclosed ). These loans recently appeared on my consumer report under a new lender XXXX XXXX. \n\nAs per 20 U.S. Code 1232g - Family educational and privacy rights ( a ) Conditions for availability of funds to educational agencies or institutions ; inspection and review of education records ; specific information to be made available ; procedure for access to education records ; reasonableness of time for such access ; hearings ; written explanations by parents ; definitions ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping ; ( D ) in connection with astudents application for, or receipt of, financial aid ; ( E ) State and local officials or authorities to whom such information is specifically allowed to be reported or disclosed pursuant to State statute adopted ( II ) the officials and authorities to whom such information is disclosed certify in writing to theeducational agency or institutionthat the information will not be disclosed to any other party except as provided under State law without the prior written consent of the parent of thestudent. [ 1 ] ( 4 ) ( B ) With respect to this subsection, personal information shall only be transferred to a third party on the condition that such party will not permit any other party to have access to such information without the written consent of the parents of thestudent. If a third party outside theeducational agency or institutionpermits access to information in violation of paragraph ( 2 ) ( A ), or fails to destroy information in violation of paragraph ( 1 ) ( F ), theeducational agency or institutionshall be prohibited from permitting access to information fromeducation recordsto that third party for a period of not less than five years. \n\nFurnishing this information to my consumer report is a violation of this federal law and was provided with out my authorization or consent.","date_sent_to_company":"2023-12-12T15:20:25.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30253","tags":null,"has_narrative":true,"complaint_id":"7989927","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-12T15:20:22.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Code 1232g - Family educational and privacy rights ( a ) Conditions for availability of funds to educational agencies or institutions ; inspection and review of education records ; specific information to be made available ; procedure for access to education records ; reasonableness of time for such access ; hearings ; written explanations by parents ; definitions ( b ) Release of education records ; parental consent requirement ; exceptions ; <em>compliance</em> with <em>judicial</em> <em>orders</em> and <em>subpoenas</em> ; <em>audit</em>"]},"sort":[21.518906,"7989927"]},{"_index":"complaint-public-v1","_id":"6952037","_score":19.62206,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have identified that there are 13 accounts on my credit report that the 3 credit reporting agencies XXXX, TransUnion and XXXX have reported and furnished specific information for and I have not given consent to do so. The specific regulations that have been violated are listed below. Each agency should refer to the attached documentation for information on the specific accounts, related violations and the requested action for resolution. \n\nLaws that were violated are as follows : 1 ) 15 USC 1681d ( 2 ) ( A ) ( i ) - Definitions ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. \n2 ) Family Educational Rights to Privacy Act ( 20 USC 1232g ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of releasing, or providing access to, any personally identifiable information in education records other than directory information, or as is permitted under paragraph ( 1 ) of this subsection, unless ( A ) there is written consent from the students parents specifying records to be released, the reasons for such release, and to whom, and with a copy of the records to be released to the students parents and the student if desired by the parents, or ( B ) except as provided in paragraph ( 1 ) ( J ), such information is furnished in compliance with judicial order, or pursuant to any lawfully issued subpoena, upon condition that parents and the students are notified of all such orders or subpoenas in advance of the compliance therewith by the educational institution or agency, except when a parent is a party to a court proceeding involving child abuse and neglect ( as defined in section 3 of the Child Abuse Prevention and Treatment Act ( 42 U.S.C. 5101 note ) ) or dependency matters, and the order is issued in the context of that proceeding, additional notice to the parent by the educational agency or institution is not required. \n\n( 3 ) Nothing contained in this section shall preclude authorized representatives of ( A ) the Comptroller General of the United States, ( B ) the Secretary, or ( C ) State educational authorities from having access to student or other records which may be necessary in connection with the audit and evaluation of Federally-supported education programs, or in connection with the enforcement of the Federal legal requirements which relate to such programs : Provided, That except when collection of personally identifiable information is specifically authorized by Federal law, any data collected by such officials shall be protected in a manner which will not permit the personal identification of students and their parents by other than those officials, and such personally identifiable data shall be destroyed when no longer needed for such audit, evaluation, and enforcement of Federal legal requirements. \n\n( 4 ) ( A ) Each educational agency or institution shall maintain a record, kept with the education records of each student, which will indicate all individuals ( other than those specified in paragraph ( 1 ) ( A ) of this subsection ), agencies, or organizations which have requested or obtained access to a students education records maintained by such educational agency or institution, and which will indicate specifically the legitimate interest that each such person, agency, or organization has in obtaining this information. Such record of access shall be available only to parents, to the school official and his assistants who are responsible for the custody of such records, and to persons or organizations authorized in, and under the conditions of, clauses ( A ) and ( C ) of paragraph ( 1 ) as a means of auditing the operation of the system.\n\n( B ) With respect to this subsection, personal information shall only be transferred to a third party on the condition that such party will not permit any other party to have access to such information without the written consent of the parents of the student. If a third party outside the educational agency or institution permits access to information in violation of paragraph ( 2 ) ( A ), or fails to destroy information in violation of paragraph ( 1 ) ( F ), the educational agency or institution shall be prohibited from permitting access to information from education records to that third party for a period of not less than five years.\n\n3 ) Charged Off Debt Law Canceled debt income, '' often called canceled or forgiven debt, is something anyone with unpaid debts which is not gifted should be concerned with. The IRS considers this income. This applies to debts OVER {$600.00}.\n\n4 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports IN GENERAL Subject to subsection ( c ), any 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, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.\n\n( 2 ) In accordance with the written instructions of the consumer to whom it relates. \n5 ) Privacy Rule of 1974 22 CFR 1101.8 - Disclosure of records to third parties The Section will not disclose any information about an individual to any person other than the individual except in the following instances : ( 1 ) Upon written request by the individual about whom the information is maintained ; ( 2 ) With prior written consent of the individual about whom the information is maintained ;","date_sent_to_company":"2023-05-10T02:49:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"17109","tags":null,"has_narrative":true,"complaint_id":"6952037","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-05-10T02:49:43.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["with <em>judicial</em> order, or pursuant to any lawfully issued <em>subpoena</em>, upon condition that parents and the students are notified of all such <em>orders</em> or <em>subpoenas</em> in advance of the <em>compliance</em> therewith by the educational institution or agency, except when a parent is a party to a court proceeding involving child abuse and neglect ( as defined in section 3 of the Child Abuse Prevention and Treatment Act ( 42 U.S.C. 5101 note ) ) or dependency matters, and the order is issued in the context of that proceeding"]},"sort":[19.62206,"6952037"]},{"_index":"complaint-public-v1","_id":"6952264","_score":19.588387,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have identified that there are XXXX accounts on my credit report that the XXXX credit reporting agencies Equifax, XXXX and XXXX have reported and furnished specific information for and I have not given consent to do so. The specific regulations that have been violated are listed below. Each agency should refer to the attached documentation for information on the specific accounts, related violations and the requested action for resolution. \n\nLaws that were violated are as follows : 1 ) 15 USC 1681d ( 2 ) ( A ) ( i ) - Definitions ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.\n\n2 ) Family Educational Rights to Privacy Act ( 20 USC 1232g ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of releasing, or providing access to, any personally identifiable information in education records other than directory information, or as is permitted under paragraph ( 1 ) of this subsection, unless ( A ) there is written consent from the students parents specifying records to be released, the reasons for such release, and to whom, and with a copy of the records to be released to the students parents and the student if desired by the parents, or ( B ) except as provided in paragraph ( 1 ) ( J ), such information is furnished in compliance with judicial order, or pursuant to any lawfully issued subpoena, upon condition that parents and the students are notified of all such orders or subpoenas in advance of the compliance therewith by the educational institution or agency, except when a parent is a party to a court proceeding involving child abuse and neglect ( as defined in section 3 of the Child Abuse Prevention and Treatment Act ( 42 U.S.C. 5101 note ) ) or dependency matters, and the order is issued in the context of that proceeding, additional notice to the parent by the educational agency or institution is not required. \n\n( XXXX ) Nothing contained in this section shall preclude authorized representatives of ( A ) the Comptroller General of the United States, ( B ) the Secretary, or ( C ) State educational authorities from having access to student or other records which may be necessary in connection with the audit and evaluation of Federally-supported education programs, or in connection with the enforcement of the Federal legal requirements which relate to such programs : Provided, That except when collection of personally identifiable information is specifically authorized by Federal law, any data collected by such officials shall be protected in a manner which will not permit the personal identification of students and their parents by other than those officials, and such personally identifiable data shall be destroyed when no longer needed for such audit, evaluation, and enforcement of Federal legal requirements. \n\n( 4 ) ( A ) Each educational agency or institution shall maintain a record, kept with the education records of each student, which will indicate all individuals ( other than those specified in paragraph ( 1 ) ( A ) of this subsection ), agencies, or organizations which have requested or obtained access to a students education records maintained by such educational agency or institution, and which will indicate specifically the legitimate interest that each such person, agency, or organization has in obtaining this information. Such record of access shall be available only to parents, to the school official and his assistants who are responsible for the custody of such records, and to persons or organizations authorized in, and under the conditions of, clauses ( A ) and ( C ) of paragraph ( XXXX ) as a means of auditing the operation of the system. \n\n( B ) With respect to this subsection, personal information shall only be transferred to a third party on the condition that such party will not permit any other party to have access to such information without the written consent of the parents of the student. If a third party outside the educational agency or institution permits access to information in violation of paragraph ( 2 ) ( A ), or fails to destroy information in violation of paragraph ( 1 ) ( F ), the educational agency or institution shall be prohibited from permitting access to information from education records to that third party for a period of not less than five years.\n\n3 ) Charged Off Debt Law Canceled debt income, '' often called canceled or forgiven debt, is something anyone with unpaid debts which is not gifted should be concerned with. The IRS considers this income. This applies to debts OVER {$600.00}. \n4 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports IN GENERAL Subject to subsection ( c ), any consumer reporting agency\n\nmay 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, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 5 ) Privacy Rule of 1974 22 CFR 1101.8 - Disclosure of records to third parties The Section will not disclose any information about an individual to any person other than the individual except in the following\ninstances : ( 1 ) Upon written request by the individual about whom the information is maintained ; ( 2 ) With prior written consent of the individual about whom the information is maintained ;","date_sent_to_company":"2023-05-10T02:49:33.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"17109","tags":null,"has_narrative":true,"complaint_id":"6952264","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-10T02:11:33.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["with <em>judicial</em> order, or pursuant to any lawfully issued <em>subpoena</em>, upon condition that parents and the students are notified of all such <em>orders</em> or <em>subpoenas</em> in advance of the <em>compliance</em> therewith by the educational institution or agency, except when a parent is a party to a court proceeding involving child abuse and neglect ( as defined in section 3 of the Child Abuse Prevention and Treatment Act ( 42 U.S.C. 5101 note ) ) or dependency matters, and the order is issued in the context of that proceeding"]},"sort":[19.588387,"6952264"]},{"_index":"complaint-public-v1","_id":"6952036","_score":19.588387,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have identified that there are 13 accounts on my credit report that the 3 credit reporting agencies XXXX, XXXX and Experian have reported and furnished specific information for and I have not given consent to do so. The specific regulations that have been violated are listed below. Each agency should refer to the attached documentation for information on the specific accounts, related violations and the requested action for resolution. \n\nLaws that were violated are as follows : 1 ) 15 USC 1681d ( 2 ) ( A ) ( i ) - Definitions ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.\n\n2 ) Family Educational Rights to Privacy Act ( 20 USC 1232g ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of releasing, or providing access to, any personally identifiable information in education records other than directory information, or as is permitted under paragraph ( 1 ) of this subsection, unless ( A ) there is written consent from the students parents specifying records to be released, the reasons for such release, and to whom, and with a copy of the records to be released to the students parents and the student if desired by the parents, or ( B ) except as provided in paragraph ( 1 ) ( J ), such information is furnished in compliance with judicial order, or pursuant to any lawfully issued subpoena, upon condition that parents and the students are notified of all such orders or subpoenas in advance of the compliance therewith by the educational institution or agency, except when a parent is a party to a court proceeding involving child abuse and neglect ( as defined in section 3 of the Child Abuse Prevention and Treatment Act ( 42 U.S.C. 5101 note ) ) or dependency matters, and the order is issued in the context of that proceeding, additional notice to the parent by the educational agency or institution is not required.\n\n( 3 ) Nothing contained in this section shall preclude authorized representatives of ( A ) the Comptroller General of the United States, ( B ) the Secretary, or ( C ) State educational authorities from having access to student or other records which may be necessary in connection with the audit and evaluation of Federally-supported education programs, or in connection with the enforcement of the Federal legal requirements which relate to such programs : Provided, That except when collection of personally identifiable information is specifically authorized by Federal law, any data collected by such officials shall be protected in a manner which will not permit the personal identification of students and their parents by other than those officials, and such personally identifiable data shall be destroyed when no longer needed for such audit, evaluation, and enforcement of Federal legal requirements.\n\n( 4 ) ( A ) Each educational agency or institution shall maintain a record, kept with the education records of each student, which will indicate all individuals ( other than those specified in paragraph ( 1 ) ( A ) of this subsection ), agencies, or organizations which have requested or obtained access to a students education records maintained by such educational agency or institution, and which will indicate specifically the legitimate interest that each such person, agency, or organization has in obtaining this information. Such record of access shall be available only to parents, to the school official and his assistants who are responsible for the custody of such records, and to persons or organizations authorized in, and under the conditions of, clauses ( A ) and ( C ) of paragraph ( 1 ) as a means of auditing the operation of the system.\n\n( B ) With respect to this subsection, personal information shall only be transferred to a third party on the condition that such party will not permit any other party to have access to such information without the written consent of the parents of the student. If a third party outside the educational agency or institution permits access to information in violation of paragraph ( 2 ) ( A ), or fails to destroy information in violation of paragraph ( 1 ) ( F ), the educational agency or institution shall be prohibited from permitting access to information from education records to that third party for a period of not less than five years.\n\n3 ) Charged Off Debt Law Canceled debt income, '' often called canceled or forgiven debt, is something anyone with unpaid debts which is not gifted should be concerned with. The IRS considers this income. This applies to debts OVER {$600.00}.\n\n4 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports IN GENERAL Subject to subsection ( c ), any 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, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.\n\n( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\n5 ) Privacy Rule of 1974 22 CFR 1101.8 - Disclosure of records to third parties The Section will not disclose any information about an individual to any person other than the individual except in the following instances : ( 1 ) Upon written request by the individual about whom the information is maintained ; ( 2 ) With prior written consent of the individual about whom the information is maintained ;","date_sent_to_company":"2023-05-10T02:49:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"17109","tags":null,"has_narrative":true,"complaint_id":"6952036","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-10T02:49:43.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["with <em>judicial</em> order, or pursuant to any lawfully issued <em>subpoena</em>, upon condition that parents and the students are notified of all such <em>orders</em> or <em>subpoenas</em> in advance of the <em>compliance</em> therewith by the educational institution or agency, except when a parent is a party to a court proceeding involving child abuse and neglect ( as defined in section 3 of the Child Abuse Prevention and Treatment Act ( 42 U.S.C. 5101 note ) ) or dependency matters, and the order is issued in the context of that proceeding"]},"sort":[19.588387,"6952036"]},{"_index":"complaint-public-v1","_id":"8123392","_score":18.600412,"_source":{"product":"Student loan","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Aidvantage/ Maximus LLC regarding what I believe to be a violation of the Family Educational Rights and Privacy Act ( FERPA ). The purpose of this letter is to bring to your attention the specific details of the alleged violation and to request an investigation into the matter.\n\nAccording to FERPA, educational records should be kept confidential, and disclosure of such records without consent is prohibited. I believe that Aidvantage/ Maximus has, personal information shall only be transferred to a third party on the condition that such party will not permit any other party to have access to such information without the written consent of the parents of the student.\n\nI kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter to determine whether there has been a violation of FERPA by Aidvantage/Maximus . If a violation is found, I request appropriate action be taken to rectify the situation and prevent future occurrences.\n\nThank you for your prompt attention to this matter. I appreciate your efforts in ensuring that consumer rights are protected.\n\n20 U.S. Code 1232g - Family educational and privacy rights b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping ( 1 ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of permitting the release of education records ( or personally identifiable information contained therein other than directory information, as defined in paragraph ( 5 ) of subsection ( a ) ) of students without the written consent of their parents to any individual, agency, or organization, ( 2 ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of releasing, or providing access to, any personally identifiable information in education records other than directory information, or as is permitted under paragraph ( 1 ) of this subsection, unless ( A ) there is written consent from the students parents specifying records to be released, the reasons for such release, and to whom, and with a copy of the records to be released to the students parents and the student if desired by the parents, ( B ) With respect to this subsection, personal information shall only be transferred to a third party on the condition that such party will not permit any other party to have access to such information without the written consent of the parents of the student. If a third party outside the educational agency or institution permits access to information in violation of paragraph ( 2 ) ( A ), or fails to destroy information in violation of paragraph ( 1 ) ( F ), the educational agency or institution shall be prohibited from permitting access to information from education records to that third party for a period of not less than XXXX years.","date_sent_to_company":"2024-01-08T22:04:34.000Z","issue":"Improper use of your report","sub_product":"Federal student loan servicing","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"8123392","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2024-01-08T21:55:24.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Code 1232g - Family educational and privacy rights b ) Release of education records ; parental consent requirement ; exceptions ; <em>compliance</em> with <em>judicial</em> <em>orders</em> and <em>subpoenas</em> ; <em>audit</em> and evaluation of federally-supported education programs ; recordkeeping ( 1 ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of permitting the release of education records ( or personally identifiable information contained therein"]},"sort":[18.600412,"8123392"]},{"_index":"complaint-public-v1","_id":"8584701","_score":17.275173,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Student Loans are showing on my credit report under DEPT OF EDXXXX for the amount of {$3300.00} and {$1800.00} they were previously under XXXXDEPT ED for the same amounts which mean the accounts were sold. \nThe Family Educational Rights and Privacy Act ( FERPA ) is a federal law encated in 1974 that protects the privacy of student education records. \n20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping 16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION For All Charge Offs are certificate of indebtedness which means it is income and must be removed According to the FCRA Fair Credit Reporting Act 15 USC 1681 section 602 says that \" There's a need to make sure consumer reporting agencies exercise their responsibilities with fairness, and a respect for the consumer 's right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the consumer. That means I have the right to make sure my private information isn't shared that is backed by 15 USC 6801 which states \" It's the policy of the congress that each financial institution is affirmative and continuing obligation to respect the privacy of there consumers and to protect the security and confidentiality of consumers ' nonpublic personal information. \n\n( Furnisher of information to credit agencies ) a financial institution by definition under the title. 15 USC 1681 section 604 ( a ) section 2 says \" In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances : in accordance with the written instructions of the consumer to whom it relates. \" ( Furnisher of information to credit agencies ) XXXX, XXXX, and Experian do not have my consent to furnish this information and they surely do not have my written consent.\n\nAny and all consent to XXXX, XXXX, and Experian ( Furnisher of information to credit agencies ) whether its verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) says that \" A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) says '' Except as authorized under subsection ( b ), no consumer reporting agency make make any any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years, '' This account is an adverse item they are reporting again without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) A states '' A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e says \" 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. '' XXXX, XXXX, Experian are not maintaining reasonable procedures, For all Inquires please remove 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting\n\nagency m ay 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, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relat\nes.\n\n( 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 16 CFR Part 433 - PART 433PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENSES It is as illegal to report transaction and I will like Compensation for my privacy and laws that where broke {$1000.00} for each","date_sent_to_company":"2024-03-21T03:54:27.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76542","tags":null,"has_narrative":true,"complaint_id":"8584701","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-21T01:16:53.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The Family Educational Rights and Privacy Act ( FERPA ) is a federal law encated in 1974 that protects the privacy of student education records. \n20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; <em>compliance</em> with <em>judicial</em> <em>orders</em> and <em>subpoenas</em> ; <em>audit</em> and evaluation of federally-supported education programs ; recordkeeping 16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION For All Charge Offs are certificate of indebtedness which means it"]},"sort":[17.275173,"8584701"]},{"_index":"complaint-public-v1","_id":"8584520","_score":17.209131,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Student Loans are showing on my credit report under DEPT OF ED/XXXX for the amount of {$3300.00} and {$1800.00} they were previously under XXXX/DEPT ED for the same amounts which mean the accounts were sold. \nThe Family Educational Rights and Privacy Act ( FERPA ) is a federal law encated in 1974 that protects the privacy of student education records.\n\n20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping 16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION For All Charge Offs are certificate of indebtedness which means it is income and must be removed According to the FCRA Fair Credit Reporting Act 15 USC 1681 section 602 says that \" There's a need to make sure consumer reporting agencies exercise their responsibilities with fairness, and a respect for the consumer 's right to privacy. '' XXXX, Transunion and XXXX are consumer reporting agencies and I am the consumer. That means I have the right to make sure my private information isn't shared that is backed by 15 USC 6801 which states \" It's the policy of the congress that each financial institution is affirmative and continuing obligation to respect the privacy of there consumers and to protect the security and confidentiality of consumers ' nonpublic personal information. \n\n( Furnisher of information to credit agencies ) a financial institution by definition under the title. 15 USC 1681 section 604 ( a ) section 2 says \" In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances : in accordance with the written instructions of the consumer to whom it relates. \" ( Furnisher of information to credit agencies ) XXXX, Transunion, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. \nAny and all consent to XXXX, Transunion, and XXXX ( Furnisher of information to credit agencies ) whether its verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) says that \" A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) says '' Except as authorized under subsection ( b ), no consumer reporting agency make make any any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years, '' This account is an adverse item they are reporting again without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) A states '' A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e says \" 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. '' XXXX, Transunion, XXXX are not maintaining reasonable procedures, For all Inquires please remove 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any 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, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.\n\n( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\n( 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 16 CFR Part 433 - PART 433PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENSES It is as illegal to report transaction and I will like Compensation for my privacy and laws that where broke {$1000.00} for each","date_sent_to_company":"2024-03-21T03:54:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76542","tags":null,"has_narrative":true,"complaint_id":"8584520","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-03-21T03:54:33.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The Family Educational Rights and Privacy Act ( FERPA ) is a federal law encated in 1974 that protects the privacy of student education records.\n\n20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; <em>compliance</em> with <em>judicial</em> <em>orders</em> and <em>subpoenas</em> ; <em>audit</em> and evaluation of federally-supported education programs ; recordkeeping 16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION For All Charge Offs are certificate of indebtedness which means it"]},"sort":[17.209131,"8584520"]},{"_index":"complaint-public-v1","_id":"8584519","_score":17.190327,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Student Loans are showing on my credit report under DEPT OF ED/XXXX for the amount of {$3300.00} and {$1800.00} they were previously under XXXX/DEPT ED for the same amounts which mean the accounts were sold. \nThe Family Educational Rights and Privacy Act ( FERPA ) is a federal law encated in 1974 that protects the privacy of student education records.\n\n20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping 16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION For All Charge Offs are certificate of indebtedness which means it is income and must be removed According to the FCRA Fair Credit Reporting Act 15 USC 1681 section 602 says that \" There's a need to make sure consumer reporting agencies exercise their responsibilities with fairness, and a respect for the consumer 's right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the consumer. That means I have the right to make sure my private information isn't shared that is backed by 15 USC 6801 which states \" It's the policy of the congress that each financial institution is affirmative and continuing obligation to respect the privacy of there consumers and to protect the security and confidentiality of consumers ' nonpublic personal information.\n\n( Furnisher of information to credit agencies ) a financial institution by definition under the title. 15 USC 1681 section 604 ( a ) section 2 says \" In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances : in accordance with the written instructions of the consumer to whom it relates. \" ( Furnisher of information to credit agencies ) Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. \nAny and all consent to Equifax, XXXX, and XXXX ( Furnisher of information to credit agencies ) whether its verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) says that \" A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) says '' Except as authorized under subsection ( b ), no consumer reporting agency make make any any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years, '' This account is an adverse item they are reporting again without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) A states '' A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e says \" 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. '' Equifax, XXXX, XXXX are not maintaining reasonable procedures, For all Inquires please remove 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any 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, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.\n\n( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\n( 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 16 CFR Part 433 - PART 433PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENSES It is as illegal to report transaction and I will like Compensation for my privacy and laws that where broke {$1000.00} for each","date_sent_to_company":"2024-03-21T03:54:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76542","tags":null,"has_narrative":true,"complaint_id":"8584519","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-21T03:54:33.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The Family Educational Rights and Privacy Act ( FERPA ) is a federal law encated in 1974 that protects the privacy of student education records.\n\n20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; <em>compliance</em> with <em>judicial</em> <em>orders</em> and <em>subpoenas</em> ; <em>audit</em> and evaluation of federally-supported education programs ; recordkeeping 16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION For All Charge Offs are certificate of indebtedness which means it"]},"sort":[17.190327,"8584519"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":46,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":46}]}},"product":{"doc_count":46,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":32,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":32}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":11,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":11}]}},{"key":"Student loan","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":2}]}},{"key":"Debt collection","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":1}]}}]}},"issue":{"doc_count":46,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Improper use of your report","doc_count":32,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":32}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":7}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Investigation took more than 30 days","doc_count":4}]}},{"key":"Attempts to collect debt not owed","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":1}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing dispute for services","doc_count":1}]}},{"key":"Incorrect information on your report","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account status incorrect","doc_count":1}]}}]}},"timely":{"doc_count":46,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":45},{"key":"No","doc_count":1}]}},"company_response":{"doc_count":46,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":28},{"key":"Closed with non-monetary relief","doc_count":17},{"key":"Untimely response","doc_count":1}]}},"submitted_via":{"doc_count":46,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":46}]}},"company":{"doc_count":46,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Experian Information Solutions Inc.","doc_count":12},{"key":"EQUIFAX, INC.","doc_count":10},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":9},{"key":"Nelnet, Inc.","doc_count":6},{"key":"Maximus Federal Services, Inc.","doc_count":4},{"key":"Navient Solutions, LLC.","doc_count":2},{"key":"AES/PHEAA","doc_count":1},{"key":"Aldridge PIte Haan, LLP","doc_count":1},{"key":"Manhattan Beach Venture, LLC","doc_count":1}]}},"state":{"doc_count":46,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":9},{"key":"TX","doc_count":8},{"key":"NC","doc_count":5},{"key":"AL","doc_count":4},{"key":"IL","doc_count":4},{"key":"NY","doc_count":4},{"key":"SC","doc_count":4},{"key":"PA","doc_count":3},{"key":"GA","doc_count":2},{"key":"WV","doc_count":2},{"key":"MS","doc_count":1}]}},"company_public_response":{"doc_count":46,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":21}]}},"tags":{"doc_count":46,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[17.1923,"8584519"]}}}