Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I am submitting this complaint because multiple U.S. Department of Education accounts are appearing on my credit report that do not belong to me. These accounts are being reported as collections and/or charge-offs, and I did not open, authorize, sign for, or benefit from these accounts in the form currently being reported. I believe my personal information was used without my knowledge or permission, and I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) to formally document that these accounts are not mine. After reviewing my credit reports, I discovered that several U.S. Department of Education tradelines appeared, including multiple entries that appear to be associated with the same alleged obligations but reported separately with different balances and statuses. These include accounts identified as US DEPT ED XXXX and US DEPT ED XXXX, among others. The reporting shows multiple entries that appear fragmented or duplicative, creating an inflated and misleading representation of debt. Prior to the appearance of these accounts, my legitimate student loan history reflected loans that were either paid, transferred, or otherwise properly managed. The sudden reporting of multiple collection or charge-off accounts under the U.S. Department of Education does not match my understanding of my financial history. The balances and number of tradelines reported do not align with my records. Because these accounts are not mine, I did not sign promissory notes for them in the form currently being reported, and I did not authorize any collection or charge-off activity tied to them. I did not receive the benefit of funds associated with these reported accounts. Upon discovering this issue, I immediately took action by reviewing my credit reports in detail and filing an FTC Identity Theft Report. I did this to formally document that these accounts were opened or reported without my authorization. Despite filing the FTC report and disputing the accounts, the U.S. Department of Education accounts continue to appear on my credit report. In some cases, the accounts are reported multiple times with varying balances, which significantly increases my total reported debt and negatively affects my credit profile. This multiple reporting gives the impression that I owe significantly more than I actually do and that I have multiple delinquent obligations, which is not accurate. The presence of these accounts has caused substantial harm. My credit score has been negatively impacted. I have experienced difficulty qualifying for credit and favorable loan terms. The reporting has increased my perceived credit risk to potential lenders. I have also experienced stress and frustration due to the time and effort required to dispute and monitor these inaccuracies. When I submitted documentation regarding identity theft, I expected that the accounts would be blocked or removed pending investigation. Instead, the accounts continue to be reported. In some instances, responses indicate that the accounts were verified or updated, but no documentation has been provided to demonstrate how ownership was verified or how the investigation concluded that the accounts are accurately associated with me. The duplication and fragmentation of U.S. Department of Education accounts are particularly concerning. Multiple tradelines for what appears to be the same underlying obligation create an inflated debt picture. If these accounts truly represented a single obligation, they should not appear multiple times with different balances and statuses. If they are not mine, they should not appear at all. I am not attempting to avoid legitimate financial obligations. I am requesting accurate reporting. The accounts currently being reported under U.S. Department of Education, including multiple entries associated with XXXX and XXXX, are not accounts that I recognize or authorized in the form being reported. Because of this, I filed an FTC Identity Theft Report to formally document the fraud. As of now, the issue remains unresolved because the multiple U.S. Department of Education accounts continue to appear on my credit report. These accounts significantly increase my reported balances and derogatory account count. They misrepresent my creditworthiness and financial standing. I respectfully request a full and meaningful investigation into the reporting of these multiple U.S. Department of Education accounts. I request verification using original documentation and proper review of my identity theft filing. If the accounts can not be fully verified with original signed documentation and proof of authorization, they should be permanently removed. This matter has caused ongoing financial and emotional harm. I am seeking correction so that my credit report reflects only accurate and verified information. The continued reporting of multiple U.S. Department of Education accounts that I do not own is inaccurate and unfair. Until these accounts are fully investigated and removed if unverified, this issue remains unresolved.

Company response to consumer: Untimely response