Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding XXXX Student Loan Debt, Credit Reporting Errors, and Potential Securities Fraud by Department of Education, XXXX, and XXXX To Whom It May Concern, I am writing to file a formal complaint regarding the mishandling of my student loan debt by the Department of Education, Aidvantage, and XXXX. Despite my debt being XXXX, these entities have failed to update my credit report accurately, and I believe they are engaging in fraudulent and unlawful practices. 

XXXX Debt and Incorrect Credit Reporting : My student loan debt has been XXXX, and I have received a XXXX form confirming the cancellation of this debt. However, the XXXX accounts remain on my credit report, which is inaccurate and harmful to my financial standing. This debt cancellation is considered income to me, and the continued reporting of these accounts is fraudulent and violates my rights under the Fair Credit Reporting Act ( FCRA ). 

I have previously raised this issue with the involved parties, who claimed they were investigating the matter. However, I have yet to receive any resolution or update. During this time, my account was transferred to a new servicer without my authorization, further complicating the situation. 

Unauthorized Transfer of Servicers : My loan was sold or transferred to a new servicer without my consent. This unauthorized transfer has caused significant confusion and has hindered my ability to resolve this matter effectively. 

Potential Securities Fraud : I am also concerned about potential securities fraud related to this account. I request that the securities associated with this account be provided to me immediately. The mishandling of my account and the lack of transparency raise serious concerns about compliance with federal securities laws. 

Demands for Resolution : Immediate Removal of XXXX Accounts : All accounts related to the XXXX debt must be removed from my credit report immediately. 

Investigation into Unauthorized Servicer Transfer : I demand an explanation for why my account was transferred without my consent and a full investigation into this practice. 

Securities Documentation : I require all securities documentation related to this account to be provided to me without delay. 

Cease Fraudulent Practices : I urge the CFPB to investigate Aidvantage, XXXX, and the Department of Education for potential violations of the FCRA, securities laws, and other applicable regulations. 

This situation has caused me significant financial and emotional distress. I have made repeated attempts to resolve this matter directly with the involved parties, but my concerns have been ignored or inadequately addressed. I trust that the CFPB will take swift action to hold these entities accountable and ensure that my rights as a consumer are protected. 

Please contact me at XXXX or XXXX if you require additional information or documentation to assist with your investigation. I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX Enclosures : XXXX of XXXX form