Student Loan FERPA violation ⬇️
📘 FERPA Violation FERPA protects educational records and personally identifiable information (PII). Schools, servicers, and guarantors may not disclose this information to third parties (including credit bureaus) without written consent or a valid legal exception. 🚫 No consent = unlawful disclosure 🚫 No exception = FERPA violation ⚖️ Permissible Purpose Violation (FCRA) Under the FCRA, a furnisher must have a legitimate permissible purpose to: Access consumer data Share information with CRAs Continue reporting an account If a student loan is charged off, transferred, or no longer enforceable, continued reporting may lack permissible purpose.