Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EdFinancial Services
State: TX

Complaint narrative:
On XX/XX/XXXX I demanded proof of the alleged debt from Edfinancial Services via letter sent by certified mail as per my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice stated that their claim was disputed and validation of the account is required. 
I asked Edfinancial services to provide me with : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. 
* Bond number of the licensed debt collector *Furnish the original contract that shows wet ink signature *Furnish the original contract or security agreement showing repayment of alleged debt Proof of the letter along with the certified mail receipt is attached ( see attached ) Additionally letters to XXXX, XXXX, and XXXX, who are reporting the unvalidated and unverified debt, were sent as well, certified, on the same date. 

Edfinancial continued to mail me repayment schedules and billing statements statements ( see attached ) as a way to verify the alleged debt, however these items failed to fulfill the debt validation terms as outlined under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). I brought this to their attention. Despite these facts, Edfinancial continued to harass and me and report unverified information to credit reporting agencies and failed to produce any evidence of an original contract existing between me ( the consumer ) and Edfinancial Services. 

In a letter dated XX/XX/XXXX Edfinancial responded with an alleged contract, however they failed to produce any evidence of the original contract as outlined under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). They presented a copy of an alleged contract with XXXX XXXX XXXX XXXX XXXX XXXX accompanied with a typed ( not original wet ink ) signature ( see attached ). In my original certified letter, I requested proof of an original contract existing between me ( the consumer ) and Edfinancial Services ( the debt collector attempting to collect the alleged debt ). I am completely unaware of who XXXX XXXX XXXX XXXX are and certainly have never agreed to enter into a consumer contract with that entity. 
On XX/XX/XXXX I filed a CFPB complaint against Edfinancial Services for failing to remove my personal information from their databases for an alleged debt that I do not owe. 

In a letter dated XX/XX/XXXX Edfinncial sent the same non-wet ink signature contracted showing my name, typed, on a contract with XXXX XXXX XXXX XXXX XXXX see attached ). In a letter dated XX/XX/XXXX Ed Financial Services notified me that the alleged account was delinquent and past due ( see attached ). 
On XX/XX/XXXX Edfinancial Services responded to the CFPB complaint stating that theyre still working on a response. 
In a letter dated XX/XX/XXXX ( see attached ) I received a letter from XXXX XXXX stating that they would not perform an investigation because there was no specific information provided. Although you can see in my letter dated XX/XX/XXXX I did indeed identify the specific information being disputed and the basis for the dispute. 

On XX/XX/XXXX, Edfinancial Services responded to my CFPB complaint submitted on XX/XX/XXXX stating that a copy of my alleged master promissory note was mailed to me on XX/XX/XXXX. 

In a letter dated XX/XX/XXXX, Edfinancial Services responded to my letter from XX/XX/XXXX to the CFO with an alleged detailed listing of a XXXX XXXX XXXX XXXX. Again, they sent the same copy of a loan with a typed signature dated XX/XX/XXXX. I expressed multiple times previously that I questioned the validity of the typed signature an demanded proof of the original contract with wet ink signature. They, again, failed to provide the items I demanded ( see attached ) Additionally in the letter they mentioned that the alleged loans were issued under Part D Title IV of the Higher Education Act of 1965 ( HEA ), as amended, 20 U.S.C. 1070 et seq. Additionally they go on to detail that the making and servicing of the loan is governed by the HEA and the rules and regulations promulgated thereunder.

If this is the case, again I ask, where is the original contract obligating me to this debt? Why is Edfinancial Services, a debt collector operating under FDCPA law, handling loans issued under HEA? 

Is Edfinancial Services a licensed debt collector with a bond number and registered agent? 

On XX/XX/XXXX I mailed, certified a notarized affidavit of truth to Edfinancial Services. This affidavit of truth was signed, in wet ink, with my signatured and notarized by XXXX XXXX XXXX ( see attached ). 
After continuing to receive multiple billing and statement notices, on XX/XX/XXXX I mailed, certified, a cease and desist notice to Edfinancial services for attempting to collect a debt I do not owe and for reporting the alleged, unverified debt to Credit Reporting Agencies. ( see attached ) As of XX/XX/XXXX I am still receiving mail, phone calls, and emails from Edfinancial Services for a debtI do not owe.

Company response to consumer: Closed with explanation