Consumer complaint received 2020-11-19
Company: Ascendium Education Group
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Compliant with Consumer Financial Protection Bureau ( CFPB ) about ASCENDIUM ED XXXX  from XXXX XXXX XXXX Dear Consumer Financial Protection Bureau XXXX CFPB XXXX, This is my second time contacting ASCENDIUM ED XXXX in writing requesting VALIDATION OF DEBT REQUEST about the Incorrectly, Inaccurate and Incomplete Information on my Credit File. The first letter was mailed on XX/XX/XXXX and a second letter was mailed on XX/XX/XXXX. This letter is in response to a phone call I received from ASCENDIUM ED XXXX  asking them to provide me validation of this debt in accordance with the FDCPA 809 ( a ). My letter was clear this is not a request for verification or proof of my address. But a request for VALIDATION of this Debt. Re : XXXX More than 30 day have passed. ASCENDIUM ED XXXX has NOT supplied VALIDATION OF DEBT REQUEST. Here is the the following information I requested in both letters : The name and address of the original creditor, the account number, and the amount owed. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 

Please also note whether this debt is within the statute of limitations and how that was determined. 

Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

I asked ASCENDIUM ED XXXX  If they fail to respond to this letter in the time allowed, I request that you stop your efforts to collect and have the account removed from my credit report. 
( CFPB, I submitted a written request on XX/XX/XXXX and XX/XX/XXXX to VALIDATE the two DEBTS for account 5 and 6 on my credit file, all the information is inaccurate and incomplete ) Account 5 : ASCENDIUM ED XXXX  Account Holder : XXXX Account Type : Installment Account Condition : Closed Date Opened : XX/XX/XXXX High Balance : {$0.00} Account Balance : {$9800.00} Last Reported:XXXX Remarks : Dispute Resolved Consumer Disagrees Completed Investigation Of Fcra Dispute Consumer Disagrees CFPB look at Account 5 is inaccurate and incomplete because the account number is inaccurate or incomplete. Errors that have occurred are as followed ( 1 ) Incorrect balance, ( 2 ) Missing information when viewed on my credit report, ( 3 ) Status and other fields left blank, ( 4 ) Status incorrect ( 5 ) Account number are all inaccurate : Account 1 include Xs instead of the full number ( this is a BIG issue ) ( 6 ) Account type inaccurate, ( 7 ) Invalid furnisher ( 8 ) Date of last update incorrect, ( 9 ) Date reported inaccurate for all these reason, this should be deleted from my credit file. 


Account 6 : ASCENDIUM ED XXXX  Account Holder : XXXX Account Type : Installment Account Condition : Closed Date Opened : XX/XX/XXXX High Balance : {$0.00} Account Balance : {$11000.00} Last Reported:XXXX Remarks : Dispute Resolved Consumer Disagrees Completed Investigation Of Fcra Dispute Consumer Disagrees CFPB look at Account 1 is inaccurate and incomplete because the account number is inaccurate or incomplete. Errors that have occurred are as followed ( 1 ) Incorrect balance, ( 2 ) Missing information when viewed on my credit report, ( 3 ) Status and other fields left blank, ( 4 ) Status incorrect ( 5 ) Account number are all inaccurate : Account 1 include Xs instead of the full number ( this is a BIG issue ) ( 6 ) Account type inaccurate, ( 7 ) Invalid furnisher ( 8 ) Date of last update incorrect, ( 9 ) Date reported inaccurate for all these reason, this should be deleted from my credit file.

Account 5 and 6 is inaccurate and incomplete because the account number is inaccurate or incomplete. Errors that have occurred are as followed ( 1 ) Incorrect balance, ( 2 ) Missing information, ( 3 ) Status and other fields left blank, ( 4 ) Status incorrect ( 5 ) Account number are all inaccurate : Account 1, 2, 3, and 4 include Xs instead of the full number ( this is a BIG issue we will discuss ) ( 6 ) Account type inaccurate, ( 7 ) Invalid furnisher ( 8 ) Date of last update incorrect, ( 9 ) Date reported inaccurate ( 10 ) this should be justifiable deleted According to FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. 



I enclosed a copy of the letter that was sent on XX/XX/XXXX and XX/XX/XXXX, it was the same letter I just changed the date on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation