Product: Debt collection

Consumer Financial Protection Bureau Complaint Submission Regarding Complaint Numbers XXXX ( OPEN ) and XXXX ( OPEN ) Complainant : XXXX XXXX, XXXX of the XXXX XXXX XXXX XXXX Complaint Against XXXX XXXX XXXX XXXX XXXX Aidvantage Official Service of Federal Student Aid, XXXX XXXX XXXX XXXX and XXXX XXXX Issue XXXX Reporting of False Information on Credit Reports and Failure to Correct Errors Description : I , XXXX XXXX, XXXX of the XXXX XXXX XXXX XXXX , hereby submit a formal complaint against XXXX XXXX XXXX , Aidvantage Official Service of Federal Student Aid, XXXX XXXX XXXX, and XXXX XXXX XXXX The complaint arises from their reporting of false information on credit reports concerning the estate of XXXX XXXX XXXX, a XXXX XXXX XXXX  under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Despite multiple attempts to rectify these inaccuracies, including the submission of dispute letters and calls to customer service, the credit reporting agencies have failed to amend the erroneous information. A UCC-11 search has confirmed that there are no liens against the property of the XXXX XXXX, and the trust holds a " Non-UCC '' priority lien, indicating a valid lien under common law or other legal authority not filed under the Uniform Commercial Code ( UCC ). 

The continued presence of false information on the credit reports has caused substantial harm to the estate and impeded my duties as XXXX. Therefore, I demand that the following actions be taken : 1. Cease and Desist : XXXX XXXX XXXX, Aidvantage Official Service of Federal Student Aid, XXXX, XXXX, and XXXX XXXX must cease and desist from reporting false information regarding the estate of XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX 

2. Correction of False Information : These entities must correct the false information on their credit reports to accurately reflect the true status of the estate and the trust. 

3. Written Confirmation : Provide written confirmation to me, as trustee, that the false information has been corrected and removed from the credit reports. 

Moreover, XXXX XXXX XXXX, Aidvantage Official Service of Federal Student Aid, XXXX, XXXX, and XXXX XXXX can not act as trustee or beneficiaries of the estate of XXXX XXXX XXXX without the necessary legal documentation and authority. Here is why : 1. Lack of power of attorney : Without a valid power of attorney, these entities can not act on behalf of the estate or the XXXX XXXX 

2. No letter of administration : a letter of administration is required to appoint a personal representative ( executor or XXXX ) of the estate of XXXX XXXX XXXX, which is missing in this case. 

XXXX. No letter of executorship : Similarly, a letter of executorship is necessary to appoint an executor of the estate of XXXX XXXX XXXX, which is absent. 

4. No certificate of indebtedness : This document is typically required to establish the debt owed to the estate or XXXX XXXX 

5. XXXX XXXX XXXX XXXX is the designated XXXX and XXXX  : as stated, the XXXX  itself is the appointed XXXX and XXXX  of the estate, not the mentioned entities such as XXXX XXXX  XXXX XXXX Aidvantage XXXXfficial Service of Federal Student Aid XXXX XXXX, XXXX, and XXXX XXXX  XXXX 

The designated XXXX, XXXX XXXX XXXX remains the sole authorized XXXX of the XXXX XXXX XXXX XXXX XXXX and the mentioned entities can not act as XXXX  without proper legal authorization. Without the necessary legal documentation and authority, these entities can not act as XXXX  or manage the estate in any way. XXXX XXXX XXXX XXXX XXXX as the designated XXXX and XXXX, retains authority and responsibility to manage the estate according to the the XXXX XXXX instrument and applicable laws. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that the credit reporting agencies correct the inaccuracies and provide accurate reports in the future. 

Thank you for your prompt attention to this critical matter. 

Sincerely, XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX