Consumer complaint received 2023-10-31
Company: EdFinancial Services
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX, I filed for a Total and Permanent Discharge of my loans with the Department of Education due to a XXXX. On XX/XX/XXXX, the Department of Education approved my application for my loans to be discharged. On XX/XX/XXXX, XXXX, the Total and Permanent Disability Discharge Servicer for the Department of Education sent Edfinancal notice to transfer my loans to XXXX for discharge. On XX/XX/XXXX, XXXX sent me an email stating that my Total and XXXX XXXXXXXX discharge application was approved by the U.S. Department of Education on XX/XX/XXXX and that XXXX sent a request to have Edfinancial transfer my loans to XXXX on XX/XX/XXXX. On XX/XX/XXXX, Edfinancial had zeroed out my loans and transferred my loans at XXXX balances to the XXXX XXXX XXXX XXXX XXXX, which is XXXX for discharge. On XX/XX/XXXX, I filed a dispute with XXXX against XXXX because XXXX records showed I still owed Edfinancial for Student loans in the amounts of {$3700.00}, {$3200.00}, {$2800.00}, {$3700.00}, {$2900.00}, {$1000.00}, {$5700.00}, {$4800.00}, {$2400.00}, {$4800.00}, {$1900.00}, {$5100.00}, {$3500.00}, {$1500.00}, and {$2300.00}. On XX/XX/XXXX, I filed a dispute with XXXX against XXXX because XXXX reports showed that I still owed Edfinancial for Student loans in the following amounts {$2300.00}, {$2300.00}, {$3700.00}, {$1900.00}, {$5700.00}, {$2900.00}, {$3700.00}, {$1000.00}, {$4800.00}, {$2800.00}, {$1500.00}, {$2400.00}, {$3200.00}, {$5100.00}, {$3500.00} and {$4800.00}. On XX/XX/XXXX, I filed a dispute with XXXX against Edfinancial because XXXX reports showed that I still owed Edfinancial for Student loans in the amounts of {$3700.00}, {$2900.00}, {$3500.00}, {$1500.00}, {$2800.00}, {$4800.00}, {$5700.00}, {$5100.00}, {$2300.00}, {$1900.00}, {$4800.00}, {$3200.00}, {$2400.00}, {$3700.00}, and {$1000.00}. 
On XX/XX/XXXX, XXXX finished its investigation of my disputes in which Edfinancial verified the loans as accurate and open accounts that I owe Edfinancial for XXXX loans in the following amounts : {$3700.00}, {$3200.00}, {$2800.00}, {$3700.00}, {$2900.00}, {$1000.00}, {$5700.00}, {$4800.00}, {$2400.00}, {$4800.00}, {$1900.00}, {$5100.00}, {$3500.00}, {$1500.00}, and {$2300.00}. On XX/XX/XXXX, XXXX had finished its investigation of my disputes and reported that XXXX verified that Edfinancial had verified the following loans in the amounts of {$2300.00}, {$2300.00}, {$3700.00}, {$1900.00}, {$5700.00}, {$2900.00}, {$3700.00}, {$1000.00}, {$4800.00}, {$2800.00}, {$1500.00}, {$2400.00}, {$3200.00}, {$5100.00}, {$3500.00} and {$4800.00} are all accurate and that I owe Edfinancial for those XXXX loans. On XX/XX/XXXX, XXXX had finished its investigation of my disputes and verified that the loans that had been disputed were current and accurate and that I still owed XXXX for XXXX loans for the following amounts : {$3700.00}, {$2900.00}, {$3500.00}, {$1500.00}, {$2800.00}, {$4800.00}, {$5700.00}, {$5100.00}, {$2300.00}, {$1900.00}, {$4800.00}, {$3200.00}, {$2400.00}, {$3700.00}, and {$1000.00}. On XX/XX/XXXX, I filed another Dispute with XXXX against XXXX. On XX/XX/XXXX, XXXX had written a letter dated XX/XX/XXXX stating XXXX had notified me in a previous letter that the Department of Education had recently approved my discharge application on my XXXX loans. The letter went on to say that XXXX assists the Department of Education in administering the TXXXX XXXX XXXX XXXXXXXX discharge process. The letter goes on to say that XXXX stated that XXXX had received my loans and the Department had discharged my loans. The previous letter that XXXX is referring to is a letter that had been sent to me in XX/XX/XXXX On XX/XX/XXXX, I filed another Dispute with XXXX and XXXX against XXXX. On XX/XX/XXXX, XXXX had finished its re-investigation of my disputes and it was reported that I still have a balance that is an open account with Edfinancial for a loan in the amount of {$3200.00} that is still showing that I owe Edfinancial for that loan, but the rest of the loans that I had disputed were shown as closed accounts at XXXX balances and paid. On XX/XX/XXXX, XXXX, MY XXXX XXXX DROPPED XXXX points according to XXXX, the same day as the investigation was completed. On XX/XX/XXXX, XXXX had finished its re-investigation of my disputes and XXXX stated that Edfinancial had verified with XXXX that the following loans in the amounts of {$4800.00}, {$4800.00}, {$2400.00}, and {$3700.00}, had been updated and reported correctly. On XX/XX/XXXX, XXXX had finished its re-investigation of my disputes and reported that the loans that I had disputed were verified as accurate and current in which, it was reported that I still owed Edfinancial on the following loans : {$3700.00}, {$2900.00}, {$3500.00}, {$4800.00}, {$5700.00}, {$2300.00}, {$3200.00}, {$2400.00}, {$3700.00}, {$1500.00}, {$2800.00}, {$5100.00}, {$1900.00}, {$4800.00} and {$1000.00}. On XX/XX/XXXX, XXXX told me verbally that the records showed that XXXX sent XXXX my loans on XX/XX/XXXX. On my Credit Report dated on XX/XX/XXXX sent to me by XXXX, it shows that I still owe Edfinancial for a student loan in the amount of {$3200.00}. On my Credit Report dated XX/XX/XXXX, sent to me by XXXX, it shows that I still owe Edfinancial for XXXX loans in the amounts of {$4800.00}, {$2900.00}, {$3200.00}, {$5700.00}, {$1000.00}, {$2300.00}, {$1500.00}, {$3700.00}, {$3500.00}, {$1900.00}, {$3700.00}, {$5100.00}, {$4800.00}, {$2800.00}, and {$2400.00}. On my Credit Report dated XX/XX/XXXX sent to me by XXXX, it shows that I still owe Edfinancial for a student loan in the amounts of {$3700.00}, $ {$3200.00}, {$2800.00}, {$3700.00}, {$2900.00}, {$1000.00}, {$5700.00}, {$4800.00}, {$2400.00}, {$4800.00}, {$1900.00}, {$5100.00}, {$3500.00}, {$1500.00} and {$2300.00}. On XXXX/XXXX/XXXX, XXXX had responded to the complaint that I had filed against them with Consumers Financial Protection Bureau. XXXX provided a response that stated that XXXX had sent Edfinancial notification on XX/XX/XXXX to have XXXX transfer my loans for discharge to XXXX. My XXXX loan database on the XXXX website shows a XXXX balance on all of my loans. XXXX had informed me on XX/XX/XXXX that Edfinancial sent XXXX my loans on XX/XX/XXXX. On XX/XX/XXXX, Edfinancial sent a letter to me stating that my loans for A TOTAL AMOUNT OF {$50000.00} had been zeroed out and transferred by Edfinancial to XXXX with a XXXX balance on XX/XX/XXXX. Overall, I don't owe Edfinancial for Student Loans because my loans had been XXXX by the Department of Education on XX/XX/XXXX and Edfinancial had transferred my loans to XXXX for Discharge of my loans at XXXX balances on XX/XX/XXXX, therefore there should be no reason why in XXXX and XXXX Edfinancial has continued to report to all XXXX Credit Bureaus that I owe Edfinancial for Student Loans, even though, Edfinancial is no longer my loan servicer and Edfinancial has knowledge that Edfinancial had XXXX out my loans and transferred my loans to XXXX at XXXX balances for discharge on XX/XX/XXXX by its own records. I have called Edfinancial constantly from XX/XX/XXXX and XX/XX/XXXX to try to get my matter resolved and have XXXXdfinancial correct the inaccurate information with account balances reported to the Credit Bureaus by Edfinancial. Edfinancial not XXXX has been reporting the inaccurate account information on my accounts to the Credit Bureaus.

Company response to consumer: Untimely response