Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, CA XXXX XX/XX/XXXX XXXX*To : ** Customer Resolutions Unit Edfinancial Services Subject : Response to Your Letter Regarding CFPB Complaint Dear Edfinancial Services, I am writing in response to your letter dated XX/XX/XXXX, concerning my complaint to the Consumer Financial Protection Bureau XXXX CFPB XXXX. After reviewing your response, I find it lacking in both legal compliance and due diligence regarding my federally protected rights under applicable U.S. laws and regulations.

1. Fair Credit Reporting Act ( FCRA ) Violations ( 15 U.S.C. 1681 et seq. ) Your claim that credit reporting is accurate is unsubstantiated. As a data furnisher, you are required to ensure the accuracy and integrity of the information reported to consumer reporting agencies ( 15 U.S.C. 1681s-2 ( a ) ). Given that I have already disputed the delinquencies, you are obligated under 15 U.S.C. 1681s-2 ( b ) to investigate, verify the information, and report the findings back to the credit bureaus. Your failure to provide specific evidence of accuracy, beyond stating that payments were not made, constitutes negligence and a potential breach of your statutory duties under the FCRA. If you have not conducted a reasonable investigation, I will escalate this matter to the CFPB and may pursue legal action. 
XXXX. Violation of Federal Student Loan Protections ( XXXX XXXX XXXX ) During the period you referenced ( XX/XX/XXXX XX/XX/XXXX ), federal forbearance policies due to the CARES Act ( XXXX XXXX XXXX ) may have applied. Federal student loans were automatically placed in administrative forbearance beginning XX/XX/XXXX. If your records fail to accurately reflect this, you may be reporting incorrect information, violating both FCRA and borrower protections under federal regulations.

If you believe these loans were excluded from CARES Act provisions, provide evidence of such exclusion and the precise legal basis. XXXX. Request for Documentation You have demanded proof of payments or eligibility for deferment or forbearance. However, the burden of proof lies with you as the servicer. Under FCRA and federal loan servicing regulations, you must provide specific documentation to substantiate the accuracy of the delinquency claims. Please provide : A full payment history, including applied payments. Loan servicing records that indicate when delinquencies were reported. Documentation showing you complied with federal loan protections during the COVID-19 pandemic. 4. Notice of Intent to File Suit If the inaccuracies are not corrected within 15 days and a corrected report is not sent to all credit bureaus, I will file a complaint with the CFPB, the Federal Trade Commission ( FTC ), and the U.S. Department of Education. Additionally, I reserve the right to pursue legal remedies, including damages under 15 U.S.C. 1681n and 1681o for willful or negligent violations of the FCRA. 5. Escalation to the U.S. Department of Education Ombudsman If you fail to address these concerns satisfactorily, I will escalate this matter to the Federal Student Aid Ombudsman Group for resolution. Final Demand You have 15 days from the receipt of this letter to resolve this matter by : 1. Correcting any erroneous credit reporting.

2. Providing detailed loan documentation to substantiate your claims.

3. Confirming compliance with all applicable laws. Failure to comply will result in further action as outlined ab XXXX XXXX